1Personal Details
I am currently retired
Annual Post-Tax: R 600,000
Rental, salary, pension, etc.
Optional — unlocks the RA contribution tax deduction (27.5% of salary, capped at R430k/yr). Leave at 0 to skip.
Only used for fixed SARS tax credits. Actual plan cost must be included in your Net Living Expenses.
Allowed range: 2.5% – 17.5%
Which bucket fills your annual tax-free allowance. Maximise ending wealth draws the Two-Pot Savings Pot first, leaving faster-compounding retirement capital invested — usually more money at age 90, though it pays more tax in the early years.
Minimise tax shelters the compulsory living-annuity draw instead, which lowers each year's tax bill but spends retirement capital sooner. Neither is universally better — save one scenario of each below to compare them on your own numbers.
Product Accessibility
2Investment Products
Tax Free
Year account was opened
Max R3,833/mo (SARS R46k/yr limit)
Emergency override only — breaks the 20-year tax-free compounding strategy.
CGT
Original purchase price
Income Tax
1/3 of contributions post-Sep 2024. Min withdrawal R2,000
Auto-calculated (1/3 of RA contribution)
Income Tax
2/3 allocated to Retirement Pot, 1/3 to Savings Pot
Low Tax
CGT / Income
Save & Compare Scenarios
Save up to 3 named snapshots of your current inputs (e.g. "Retire at 55" vs "Retire at 60") to compare them side by side, under today's growth assumptions. Your current inputs are also auto-saved and restored on reload, separately from these named scenarios.
Total Portfolio
R 0
All assets
Annual Tax
R 0
Effective: 0.0%
Net Take-Home
R 0
Monthly: R 0
Tax Saved vs Unoptimized
R 0
vs all from RA/income
Portfolio Runway
—
At current drawdown
2Optimal Drawdown Waterfall
Annual source breakdown — most tax-efficient order:
Strategy: TFSA withdrawals are deferred until the account reaches 20 years old to maximize tax-free compound growth.
| Source | Amount Drawn | Tax | Net |
|---|
0% Tax0%45% Ceiling
Tax Breakdown by Source
Drawdown: Net vs Tax Paid
Growth & Inflation Assumptions
10%
8%
5%
15%
The engine always calculates in nominal rands. This only changes how the chart, table, and stats below are displayed - it does not change the underlying maths.
5%
How much SARS brackets, rebates, and thresholds rise each year (0% = frozen at today's 2026/27 table, a pessimistic stress test). TFSA limits are never indexed - SARS raises those irregularly, not annually.
Portfolio Depletes
—
At current settings
Portfolio at Age 65
—
Nominal (future) rands
Total Lifetime Tax
—
To age 90, nominal
Portfolio Trajectory to Age 90
Annual Tax Paid Over Time
Year-by-Year Withdrawal Breakdown
| Age | Cash Draw | TFSA Draw | Disc Draw | SavPot Draw | RA/LA Draw | Crypto Draw | Tax Paid | Net Cash | Portfolio Balance |
|---|
SARS 2026/2027 Tax Brackets
Your Tax Position
Key Exemptions & Thresholds
Optimized vs Unoptimized
Two-Pot System Reference (effective Sep 2024)
Savings Pot (1/3 of contributions)
• Accessible anytime post-Sep 2024
• Minimum withdrawal: R2,000
• Taxed as normal income (SARS)
• One withdrawal per tax year
• R300 admin fee applies
• Cannot exceed savings pot balance
• Minimum withdrawal: R2,000
• Taxed as normal income (SARS)
• One withdrawal per tax year
• R300 admin fee applies
• Cannot exceed savings pot balance
Retirement Pot (2/3 of contributions)
• Locked until retirement (age 55+)
• Must purchase an annuity
• Under R165k: cash lump sum
• Converts to Living/Guaranteed Annuity
• Cannot access before retirement
• No early withdrawal option
• Must purchase an annuity
• Under R165k: cash lump sum
• Converts to Living/Guaranteed Annuity
• Cannot access before retirement
• No early withdrawal option
Vested Component (pre-Sep 2024)
• Pre-September 2024 savings
• Old rules still apply
• 1/3 as cash lump sum at retirement
• First R550,000 completely tax-free
• Next R220k: 18% tax rate
• Balance must be annuitized
• Old rules still apply
• 1/3 as cash lump sum at retirement
• First R550,000 completely tax-free
• Next R220k: 18% tax rate
• Balance must be annuitized