Retirement, two-pot and SARS tax calculators for salaried South Africans. Enter your payslip and fund values once — get one honest verdict and the one move that changes it.
The numbers that made us build this, for people who earn well and still don’t know if it’s enough.
of South Africans are on track to retire comfortably — replacing about 75% of their final salary.
10X Retirement Reality Report · 10x.co.zataken out of two-pot savings pots in five months — and R12.9bn of it went to SARS as tax.
SARS, 31 Jan 2025 · sars.gov.zataxpayers earn over R500,000 and carry roughly three-quarters of personal income tax. Your RA deduction is your biggest lever.
SARS Tax Statistics 2024 · dailyinvestor.comIllustrative people, real situations. If you have a payslip, a fund statement and a bond, this was made for you.
Maxes her RA every February. Wants to know if “maxing” is actually enough.
Changed employers twice. Two preserved funds, one RA — and no idea of the total.
Two kids heading to private high school. Fees or retirement? She wants the trade-off in Rand.
GEPF member, 24 years’ service. Tempted by two-pot. Wants the real cost first.
Each one ends on a single verdict and the next step that moves it.
Am I on track — across every fund, RA and preserved pot I hold?
What a savings-pot withdrawal really costs: tax now, growth lost later.
SARS income tax and PAYE checked against your payslip — plus what an RA top-up gives back.
Same household profile, new tools:
No adviser appointment. No product to buy at the end.
Start as a guest. You never need to sign up to see your result.
Salary, fund values, bond and school fees go into one household profile every tool reads.
One score, the numbers behind it, and the single move that changes it most.
Free, private, and built for South African payslips, funds and tax tables.
Am I on track to retire? →