Illustrative tools
Affordability estimator
Affordability estimator: life protection, income protection, child's future, retirement, and investments for South Africa (illustrative only).
These numbers are intentionally set on the careful side so your family shield and long-term plans have room to improve when we align everything in a formal consultation. Nothing here is a quote or product guarantee—just a clear, honest starting picture.
Estimated protection shield
R 1 063 830
Conservative life protection model (illustrative). Floor R 250/month.
Your inputs
Standard vs debt earmarking is set in the row above. Adjust budget, age, and tobacco below.
Affects the illustrated shield.
Estimated protection shield
R 961 538
Income-shield buffer at R260/m per R1M (illustrative). Retrenchment / payout shape adjusts the on-screen number only.
Your inputs
Cover path and payout shape are set in the row above. Premium sliders stay aligned with life protection for comparison.
Affects the illustrated shield.
Estimated child's future funding
R 58 360
Pathway to ~age 18 (14 yr), 4.5% nominal illustration—School fees, School fees plus, or Education builder lens—not a quote.
Your inputs
Benefit path is set in the row above. Education builder uses a R 500/month minimum on the slider.
Estimated retirement balance
R 251 129
Age 30, retiring at 60 → 30 years of contributions before retirement. Monthly flow at a conservative 6% nominal rate (illustrative annuity-style build-up).
Your inputs
In South Africa, many people first access retirement-benefit money from age 55 onward. Product type is set in the row above. Retirement fund uses a R 500/month minimum on the slider.
Range 55–65 (SA model: earliest common access from 55; this tab caps at 65 unless you are already older).
30 years of possible build-up to age 60
Our estimated investment balance
R 48 379
Headline uses 9% nominal (recurring plan lens), compounded monthly over 10 years. A typical 6% bank-style illustration would reach R 40 970 — illustrative only; not a forecast or return promise.
Your inputs
Product is set in the row above. Lump sum is a once-off capital injection; recurring, tax-free savings, and endowment follow monthly flows.