Retirement / Am I on track
Am I on track?
Behind, but fixable
You're at 72% of the way to a 75% income replacement.
+R2,100/month, or retiring at 67, moves you into the green.
Pot at 65
R3.1m
today's rand, 4% real
Income replaced
54%
▼ 21 pts vs 75% target
Monthly gap
R4,200
short per month after 65
Runway
17 yrs
lasts to age 82
To be completed
Two-pot savings
R38k
demo – add your statement
Contribution
15%
▲ you + employer
What this means
- Pot depletes at 82, not 95. 17 years of drawdown at today's rate.
- +R2,100/month closes half the gap. Section 11F relief refunds about a third.
- Retire at 67 → 63% replacement. Two more growth years, two fewer draw years.
- Two-pot R38k is worth ~R100k at 65. Withdrawing also triggers tax at your marginal rate.
Projection vs target Projected potTarget
| Age | Projected | Target |
|---|---|---|
| 65 | R3.1m | R5.7m |
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