Most people overestimate how long their capital will provide income. Find out in 30 seconds.
Enter your numbers to see how long your retirement savings will last.
When the income you draw (after tax) grows faster than your investment return, your capital gets eaten away year by year. It's not one big event — it's a slow, silent decline that most people only notice too late.
A small difference in return, tax, or inflation might seem minor today. Over 20 to 30 years, it can mean the difference between financial independence and running out of money in your 80s.
This is why income planning matters more than chasing returns.
Watch: The Retirement Income Problem — a 3-minute explanation
If your effective tax rate on retirement income is higher than 20%, it may be worth exploring income structures that are taxed differently.
On the next page, I show investment solutions where income is taxed at a flat 20%, depending on structure and individual circumstances.
This is shared to help you understand how income structure affects outcomes.
I'll show you the actual investment structures I use in my practice — with calculators so you can compare outcomes for yourself.
View the Investment Options → or speak to me directly Book a Free Consultation WhatsApp: 067 242 9946Leave your details and I'll review your numbers and send you a plan tailored to your situation — no obligation, no cost.
Get My Free Plan →This calculation assumes your required income increases annually by the selected inflation rate. The projection is based on assumed investment returns, tax rates and inflation and is for illustrative purposes only. Actual outcomes may differ. This tool does not constitute financial advice.