Budget
Where every Rand goes and what’s left by month-end.
R2,850typical monthly surplus found
Open Budget →
Retirement / Am I on trackThandi & Neo
Am I on track?
Executive summary · today’s Rands, after inflation
Behind, but fixable.
You’re on course to retire on just over half your salary. With 29 working years left, a steady top-up brings you back on track without drama.
▲ 13 points to “On track” (75)Projected pot at 65
R3.1m
Your savings at 65, in today’s money.
Income replacement
54% / 75%
Share of final salary the pot can pay.
Monthly gap
R4,200
Extra a month to reach a 75% income.
Years of runway
17 yrs
Money lasts until age 82.
Two-pot savings
R38k
Withdrawable now — costs ~R290k at 65.
To be completed
Partner’s pot
R1.4m
Demo value — add Neo’s fund for the household view.
What this means
- You’re heading for 54% of your final salary, against the roughly 75% most households need.
- R4,200 more a month closes the gap by 65 — or retiring at 68 gets you most of the way.
- Your money runs out at 82, earlier than many South Africans who reach 65 will live.
- Leave the R38k savings pot untouched: withdrawing it today costs about R290k of retirement money.
Projected pot vs target
Projected potNeeded for 75% incomeGap at 65: R1.5m
Next step: model the R4,200 top-up
Watch the score move as you save more, retire later, or both.