Total wealth is not a paycheck
A large net-worth number can still leave a short runway if too much of it is restricted, illiquid, or inside retirement products.
Retirement runway for South African DIY investors
Will your money last in retirement?
Turn a one-off runway sketch into a plan you can update as balances, spending and income change.
Model spending, other income, withdrawal order and estimated tax on a year-by-year path. Planning estimates only. You remain responsible for financial decisions.
14-day free trial · No bank login · You enter the balances
Year-by-year projection
| Year | Age | Accessible | Total FIRE wealth |
|---|---|---|---|
| 2026 | 35 | R850k | R2.0M |
| 2033 | 42 | R2.1M | R4.8M |
| 2041 | 50 | R4.2M | R10.5M |
Sample illustration · 2041 row marks estimated FIRE year
A net-worth total does not tell you if the money will last
Accessible investments, retirement funds, living-annuity bands and tax all change the runway. For the explainer, read how long retirement money lasts in South Africa .
Spending is not a flat line
Go-go, slow-go and no-go years, plus once-off expenses, change how long capital could last.
Withdrawal order matters
TFSA, taxable investments and retirement money do different jobs. Order, other income and estimated tax change the path.
A one-off sketch goes stale
Balances, spending and income change. The useful artefact is a plan you can update, not a screenshot of one calculation.
Model retirement in three steps
- 1
Add the wealth that will fund retirement
Enter accessible investments, retirement funds and other balances you want in the plan. No bank login.
- 2
Set spending, income and stages
Model annual spending, other income, go-go / slow-go / no-go stages, and once-off expenses or receipts.
- 3
Compare withdrawal order on a runway
See a year-by-year path with estimated withdrawal tax. Change an assumption and refresh the plan.
Keep the plan, not a one-off sketch
Update the balances that matter when you want to refresh your plan. No bank credentials required. Libevyn does not execute investments or connect to SARS.
Frequently asked questions
Is this a public retirement calculator?
No. This page explains the problem and the product. You model retirement spending, withdrawal order and capital runway inside Libevyn after you start a plan. There is no public runway calculator.
Does Libevyn tell me a safe withdrawal rate?
No. Libevyn lets you test spending, income, withdrawal-order and tax assumptions you choose. Results are estimates, not a recommendation of a rate or a product.
Does Libevyn execute withdrawals or investments?
No. Libevyn does not move money, place trades, or connect to your bank, broker or SARS. You keep your providers and remain responsible for financial decisions.
Do I need to update balances every day?
No. Update the balances that matter when you want to refresh your plan. Libevyn is for a strategic wealth plan, not daily bank transactions.
Is Libevyn a financial adviser?
No. Libevyn is a South African wealth-planning tool. Palmarius Technologies is not a licensed financial services provider. Planning information only, not financial, investment, retirement or tax advice.
See whether retirement capital could last
Spending, income, withdrawal order and estimated tax in one plan you can keep using.
14-day free trial · No bank login · Cancel anytime