Budget
See where every Rand goes and what is left at month-end.
R2,850typical monthly surplus found
Open Budget →Am I on track to retire?
Executive summary · based on your household profile · today’s Rands, after inflation
Behind, but fixable.
At today’s pace you retire on just over half your salary. Twenty-nine working years is plenty of time to close the gap — if you start this year.
▲ 13 points to reach “On track”Projected pot at 65
R3.1m
What your savings grow to, in today’s money.
Income replacement
54% / 75%
Share of your final salary the pot can pay you.
Monthly gap
R4,200
Extra saving per month that gets you to 75%.
Years of runway
17 yrs
Money lasts to age 82 at the income you want.
Two-pot savings component
R38k
Withdrawable now — but costs ~R290k at 65.
To be completed
Partner’s retirement
R1.4m
Demo value. Add Neo’s fund to see the household total.
What this means
- You’re heading for 54% of your final salary, against the 75% most households need to keep their lifestyle.
- R4,200 more a month closes the gap by 65 — or working to 68 gets you most of the way there.
- Your money runs out at 82, while a 65-year-old South African can plan to live well into their 80s.
- Leave the R38k savings pot alone: cashing it in today costs roughly R290k of retirement money after tax.
Your pot vs the pot you need
Projected potNeeded for 75% incomeGap at 65: R1.5m
Next step: try the R4,200 top-up
See how your score moves if you save more, retire later, or both.