AS Brokers – Financial Freedom Number Calculator
Discover how much capital you need to generate your desired monthly income.
What This Means
Income Goal Setting Calculator
How much capital do you actually need to earn the income you want?
Starting in the Right Place
Most retirement conversations start in the wrong place.
People ask about products, returns, or performance — before answering the most important question:
"How much capital do I need to produce the income I want?"
This calculator answers that question directly.
You enter your required monthly income, and the calculator shows how much capital would be required today using a structured, income-focused investment approach — such as the Everest Strategic Income 12.8% solution.
No guesswork.
No sales talk.
Just a clear starting number.
Why This Calculator Matters
Most people either:
- Don't know how much capital they actually need for income, or
- Allocate far too much capital to income because they're unsure
Both mistakes can quietly damage a retirement plan.
This calculator introduces a simple but powerful principle:
Income should be planned deliberately — not by default.
Instead of asking "How do I invest everything?", the better question is:
"How much capital must work for income — and what should the rest do?"
This tool helps you answer that clearly.
Two Practical Ways This Calculator Is Used
This calculator is valuable in two very different — but equally important — situations.
1. Income Goal Setting (the obvious use)
For many people, this is a straightforward goal-setting tool.
You enter the monthly income you want, and the calculator shows how much capital is required to produce that income using an income-focused structure like the Everest 12.8% product.
It answers the most common retirement question quickly and objectively:
"How much do I need invested to earn the income I want?"
This is especially useful for:
- Retirees planning drawdown income
- Pre-retirees testing affordability
- Anyone wanting a clear income benchmark before making decisions
2. Capital Segmentation (the more important use)
The more powerful use of this calculator is for people who already have enough capital — but do not want to commit all of it to income.
A real example from practice:
A client had over R30 million available, but only needed R80,000 per month to fund their lifestyle.
Instead of forcing all the capital into income-producing assets, we used this calculator to:
- Determine how much capital was actually required to generate the R80,000 monthly income, and
- Allocate only that portion to an income structure
The remaining capital was then positioned separately for:
- Long-term growth
- Lower overall risk
- Liquidity and flexibility
- Estate and legacy planning
This avoided a common mistake:
Over-allocating capital to income simply because the numbers feel uncertain.
By separating income capital from growth capital, the client gained:
- More control
- Better diversification
- A more resilient retirement structure
This calculator makes that separation possible — quickly and objectively.
How This Aligns with the Everest Strategic Income 12.8%
This calculator is closely aligned with income-focused solutions like the Everest Strategic Income 12.8%, which are designed to:
- Produce reliable monthly income
- Preserve capital
- Avoid market volatility
- Keep structures simple and transparent
By first calculating how much income capital is actually required, you avoid:
- Over-committing funds to income
- Sacrificing growth unnecessarily
- Increasing long-term risk through poor allocation
The calculator gives you the number — the strategy comes next.
What the Result Means
The amount shown represents the capital required today to generate your selected monthly income.
The figure is based on an income-focused structure and reflects an estimated net income, after applying the typical 20% tax applicable to income distributions.
This is not a projection.
It is a planning reference — a realistic starting point.
Important Context and Limitations
This calculator is intentionally simple.
It does not:
- Adjust income for inflation over time
- Replace a full retirement plan
- Account for every tax or estate variable
It does:
- Provide clarity
- Answer the "how much do I need?" question
- Support better income-vs-growth decisions
Clarity comes before complexity.
Who This Calculator Is Ideal For
This tool is especially useful for:
- Retirees or pre-retirees planning sustainable income
- High-net-worth individuals who do not want all capital tied to income
- Investors who want to separate income needs from growth objectives
- Anyone considering structured income solutions like the Everest 12.8%
- First-time planning conversations and reality checks
If your income does not come from a single payslip — this calculator was built for you.
The Next Step
The calculator gives you the number.
The real value comes from using it correctly.
If you'd like to:
- Confirm the assumptions
- See how this fits into your broader retirement plan
- Structure income and growth capital properly
- Align income, tax, and estate planning
Complete the form below and request a discussion.
We'll help you turn this number into a clear, structured strategy — not just an estimate.