Rand Runway simulates 1,000 versions of your financial life using SARS tax tables, the two-pot system, living annuity rules and the SASSA grant — so you know your real odds, not a guess dressed up as one.
Illustrative estimates only, not financial advice — always consult a registered financial adviser before making decisions.
Every marker is one simulated life. The one that matters is the one you actually get.
Most calculators are built for no country in particular — or quietly built for someone else's. They skip SARS's tax brackets, the two-pot system, and living annuity drawdown limits entirely, and hand you a single "safe withdrawal rate" instead of an actual answer.
Rand Runway was built the other way around: SARS brackets, the two-pot system, living annuity drawdown limits, and the SASSA Older Person's Grant — run through a thousand simulated markets, not one average one.
No account, no chat, no waiting room — just your numbers, run properly.
Age, savings, contributions, and what you actually want to spend each month in retirement — in plain rands, not jargon.
Inputs tabEvery simulation samples a different sequence of returns, so you see the full range of what could happen — not one lucky, or unlucky, guess.
A success percentage, your projected nest egg, your funded ratio, and exactly where your money goes each year — net income, tax, and grant.
Results tabYear by year — your nest egg building up, where every rand comes from once you retire, and how the whole portfolio moves over time.
Projection tabA market crash right at retirement, inflation running hot, living to 100, or a large medical bill — see what actually breaks the plan.
Stress test tabWorking one more year, trimming R1,000 off your monthly goal, or changing which account you draw down first — ranked by how much each one is worth.
Optimise tabNot a generic 4% rule. The specific arithmetic South African retirement law puts you through.
Full bracket and rebate calculation on every rand you draw — not a flat guess at your tax rate.
New contributions split correctly between your preserved retirement pot and your accessible savings pot.
Drawdown modelled inside the legal band, not an arbitrary number picked to make the chart look good.
Included only if your simulated income would actually still qualify — with a simplified means test, not a blanket assumption.
Annual and lifetime caps respected, drawn down tax-free, in whatever order you choose.
A working spouse gets their own fund, own retirement age, and own tax return — never combined by default.
A growing set of free calculators — all general information, not financial advice. Pick the question you actually have.
The full Monte Carlo simulation — 1,000 futures, SARS tax, the two-pot system, living annuities and SASSA.
Open the planner →See what a lump sum and monthly contributions could grow into, in nominal and inflation-adjusted rand.
Open the calculator →Compare snowball vs avalanche payoff strategies across all your debts and see how much interest you'd save.
Open the calculator →Add up what you own and owe for a clear snapshot — saved locally in your browser so you can track it over time.
Open the calculator →Your tax payable, effective rate, and take-home pay — including retirement, medical credit and UIF.
Open the calculator →Track income against expenses and see how many months your emergency fund would actually cover.
Open the calculator →Same financial lessons, none of the spreadsheet energy. No signup, no leaderboard pressure — just play.
Live a whole financial life in 5 minutes — 8 big decisions, random life events, and a score at the end. Can you retire wealthy?
Play the game →17 quick money dilemmas — some have a clear mathematical winner, some are just food for thought. Spot the smarter move?
Play the game →Every money move shifts your stability tower. Chase growth too hard and it comes crashing down — how long can you keep it standing?
Play the game →12 rounds of ranking 5 financial moves from best to worst. See how close you get to the sensible order — and why.
Play the game →15 real money questions on compounding, tax, debt and inflation. Type your guess, then see how close you got.
Play the game →15 real-world financial pitches — some legit, some fraud. Judge each one, then learn the red flags that give scams away.
Play the game →True or false, as fast as you can, before the clock runs out. Build a streak, then see exactly what tripped you up.
Play the game →Six sliders, one income, 100% to allocate. Split six very different lives' budgets and see how close you get to a sensible split.
Play the game →Six rounds, two real rates each time. Pay off the debt, or invest instead? Every right call pulls the rope toward Wealth.
Play the game →A quick reality check before you open the planner — fetched fresh every time this page loads.
| Currency | Rand per unit |
|---|---|
| Loading live rates… | |
There's no account, no server, and no subscription to cancel later.
Every simulation happens on your device. Nothing you type is sent anywhere.
Open it, use it, close it. There's nothing to sign up for and nothing to remember a password for.
Comparisons and check-ins live in your browser's own storage — clear your browser data and they're gone, because there was never a copy anywhere else.