Enter the monthly income you want — this calculator tells you exactly how much capital it takes to produce it.
Start with what you need — work backwards to the number
Know your number. Now let's build the plan.
Request My Official Quote → or WhatsApp me now: 067 242 9946Most retirement conversations start with "How do I invest everything?" The better question is: "How much capital must work for income — and what should the rest do?" This calculator answers that directly. Once you know the income number, the remaining capital can be allocated to growth, liquidity, estate planning, or diversification.
If you have R10 million and need R50,000 per month, this calculator shows you only need roughly R5.9 million for income. The remaining R4.1 million doesn't need to earn income — it can grow at 14.5% in the Strategic Growth Portfolio, stay liquid, or be structured for estate efficiency. This separation is the foundation of smart retirement planning.
Because you're drawing only the income (dividends) and not touching the capital, your original investment remains in place for the full 5-year term. At maturity, you receive your capital back plus a 10% loyalty bonus — and you can reinvest into a new term with a higher base.
The scenarios above show the same target income across different products. The 12.8% requires the most capital but includes a loyalty bonus. The 14.2% requires less capital because the rate is higher. The Amethyst Living Annuity is for compulsory retirement money (pension/provident). I help you determine which structure fits your situation.
The calculator gives you clarity. A conversation turns it into a strategy.
This calculator estimates the capital required to generate your target income based on a 10.24% net annual return (12.8% gross less 20% dividends withholding tax). This is not an official quotation. Actual returns may vary depending on the specific investment product and market conditions. The Amethyst Living Annuity estimate assumes approximately 25% average tax on drawn income. Please consult with a qualified financial adviser before making any investment decisions.