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Find out if you will be able to afford to retire
Determine whether you are prepared for the future by choosing one of the following assessments
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Click here to print your estimate
Securing your Future
Expected investment growth %
Expected inflation %
Your current age
Your expected retirement age
Current age of your spouse
Expected retirement age of your spouse
Monthly property rental/other income (including expected inflation rate) Predicted value of rental
and other income at retirement age
Monthly gross income of your spouse Predicted value of gross income
at retirement age
Monthly income required should you retire today Predicted value of income required
at retirement age
Estimated years after retirement you will require your income
Estimated value of your assets if sold for cash (e.g. value of property, etc.) Predicted value of assets sold
at retirement age
Expected value of your liabilities by retirement age (e.g. bond, credit card, personal loans, etc.)
Total planned capital expenses (e.g. new vehicle, overseas holiday, etc.) Predicted value of planned
expenses at retirement age
 
Present value of your total investments
Your monthly investment contributions
Estimated escalation of your annual contribution
until retirement age at selected percentage rate
Predicted value of investments
at retirement age
 
Present value of your total retirement funds
Your monthly retirement contributions
Estimated escalation of your annual contribution
until retirement age at selected percentage rate
Predicted value of retirement funds
at retirement age
 
Present value of your spouse’s total investments
Your spouse's monthly contributions to investments
Estimated escalation of your spouse's annual contribution
until retirement age at selected percentage rate
Predicted value of investments
at retirement age
 
Present value of your spouse's total retirement funds
Your spouse's monthly retirement contributions
Estimated escalation of your spouse's annual contribution
until retirement age at selected percentage rate
Predicted value of retirement funds
at retirement age
Income Summary
 
Present Value
Estimated Future Value
Monthly income available 
0
0
Monthly income required  
0
0
Monthly shortfall/excess 
0
0
Capital Summary
Capital available at retirement date 
0
Capital Liabilities and expenses at retirement date 
0
Shortfall/excess at retirement date 
0
Assessment
Funds available will provide an income for 
 
Estimated Capital Required at retirement Date 
 
 
Assumptions
  • Assumption #1: If your spouse continues to work after you have retired, his/her salary will increase with the inflation rate
  • Assumption #2: You have estimated your family’s income needs as accurately as possible
  • Assumption #3: The possible sale of assets is based on future value of assets at inflation
  • Assumption #4: The assessment is done based on the term indicated and not on life expectancy
  • Assumption #5: Possible liabilities at retirement age are calculated manually
  • Assumption #6: Investments can include banks, Endowment policies, ETF’s, Unit Trusts and Shares.
  • Assumption #7: Retirement funds can include Pension funds, Provident funds, Retirement Annuities, Preservation Funds and current Living Annuities.
  • Assumption #8: The future value of capital available is based on the rate provided for the term to retirement and annual automatic premium increases for monthly contributions
  • Assumption #9: Future values of investments and retirement funds are based on the assumed retirement date and ignore actual maturity dates
  • Assumption #10: Property rental income will be available for the full term as required by the family
Cash Flow