Am I saving enough for retirement?
A quick check against the share of your income you want to replace. Set the percentage, and see how much of that target your current savings and contributions are on track to cover.
Your details
Adjust any field — results update instantly.
Monthly equivalent: R50 000
Financial planners typically recommend replacing 75% of your pre-retirement income. Your expenses may be lower in retirement (no commute, paid-off bond) but healthcare costs often rise.
Include your pension fund, provident fund, RA, and any preservation funds.
Your contribution plus any employer match.
Advanced— growth assumption (5% real)
Real return (after inflation). For example, 5% here ≈ 10–11% nominal at typical SA inflation. Balanced funds typically return 4–6% real over the long term.
You're projected to reach R11 301/mo of the R37 500/mo you're aiming for.
Projections use real (inflation-adjusted) returns and a 4% sustainable withdrawal rate. These are estimates — speak to a qualified financial adviser for personalised advice.
Talk to a provider about your retirement plan
Compare retirement annuity options directly with leading SA providers. GuideStation never collects your personal information.
Estimates use a 4% sustainable withdrawal rate and real (inflation-adjusted) returns. For planning only — speak to a qualified financial adviser before making decisions.