Plain-language calculators for public servants: what your GEPF pension is likely to be, what a two-pot withdrawal really costs, and whether your PAYE is right.
MaxWealth is independent and is not part of, or endorsed by, the GEPF or GPAA. We never ask for your GEPF login.
GEPF is a defined-benefit fund, which is good news — but it makes “what will I actually get?” harder to work out on your own.
active GEPF members — plus 565,221 pensioners and beneficiaries.
GEPF Annual Report 2025 · gepf.co.zaaverage public-servant salary in 2024. A real pension is at stake — worth planning properly.
Daily Investor, Treasury data · dailyinvestor.comthe age group making most GEPF two-pot claims — mainly Health, Education and SAPS.
Moonstone · moonstone.co.zaEach one has a calculator behind it. Your numbers, your answer, in Rand.
Usually the most expensive decision in a public-service career. See the taxed lump sum next to the monthly pension you would give up.
Compare stay vs resign →Tax at your marginal rate today, and the growth that money would have earned by 60. Both, in one number.
Cost my withdrawal →Years of service and final salary drive it. We show the gap to 75% of your salary — and what an RA would close.
Estimate my gap →Illustrative people. Classroom, ward, station, office and lecture hall — one pension fund, very different careers.
21 years’ service. Two children at university soon.
Wants to know if she can afford to retire at 60.
Weighing a two-pot claim against his retirement date.
University fund plus an RA. Checking his PAYE and the tax on both.
Each ends on a single verdict and the next step that moves it.
Your likely pension from years of service, plus any RA or preserved fund.
What a savings-pot claim costs in tax now and pension later.
SARS income tax and PAYE, checked against your Persal payslip.
Same profile, new tools:
No adviser appointment, no product to buy, no login to any government system.
Start as a guest. You never need to sign up to see your result.
Years of service, salary, and anything else you hold. One profile for every tool.
One score, the numbers behind it, and the one step that changes it most.
Free and private. Built for South African public servants, payslips and tax tables.
Estimate my pension →