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A Monte Carlo retirement projection built on SARS tax tables, the two-pot system, living annuity drawdown limits, and the SASSA Older Person's Grant — not a rule of thumb.

2026/2027 tax year · figures current as of the 2026 Budget

Your numbers

Split 2/3 retirement pot · 1/3 savings pot, per the two-pot system
Reg 28-style balanced fund assumptions — long-run averages, not guarantees
Type your own assumption rather than picking a preset
Both are bound by law to 2.5%–17.5% a year
33%
Up to a third of the vested + retirement pot may be taken as cash; the rest must buy an annuity
Means-tested — only paid if your income and assets are below the threshold
Used for the SASSA asset means test (your primary home is excluded)

Other accounts

Optional — add these if you hold money outside your retirement fund, so the plan can draw from whichever account is most tax-efficient each year.

Capped at R46,000/year and R500,000 lifetime, across all your TFSAs
The rest is unrealised gain, taxed via CGT when you sell. Unsure? Use the same number as the balance.
Grows slowly and safely; kept separate from your investments
An old-style employer pension or purchased life annuity, if you have one
    Drag to set which account you draw from first each year. A good rule of thumb: spend taxable accounts before tax-free ones.
    Add a one-time cash injection from selling up and buying something smaller

    Run your numbers on the Inputs tab first.

    Not financial advice. Rand Runway gives general information and illustrative estimates only — it isn't a personal recommendation and isn't a substitute for professional advice. These projections aren't a promise of future returns. Please consult a registered, accredited financial adviser before making any retirement decisions.

    Want to check your income tax or plan other goals? Explore more free tools on the Rand Runway homepage →

    Run your numbers on the Inputs tab first.

    Run your numbers on the Inputs tab first.

    Run your numbers on the Inputs tab first.