Free tools

Model the decision before you make it

Start on the page that matches the question. These calculators are starting points. Libevyn is the ongoing plan above your providers: the full picture, contribution room, retirement timing, and how long capital could last.

Contribution decisions

• TFSA vs RA calculator

  Compare tax, access, TFSA room and Section 11F headroom for the next contribution. 2026/27 South African rules. Result before you sign up.

• Two-pot withdrawal calculator

  Estimate tax and net proceeds from a savings-component withdrawal, plus illustrative future value you could give up. Educational estimate only.

• Section 11F deduction room

  How the 27.5% test, R430,000 cap and employer contributions actually bind. Then estimate remaining headroom in the calculator or in Libevyn.

• TFSA room across providers

  Annual and lifetime contribution limits apply to you, not to each provider. Track combined room in Libevyn.

Planning retirement

• Retirement / FI date calculator

  Estimate how much you need, and whether accessible wealth might cover the years before RA and pension money unlocks.

• FIRE planner

  A South African FIRE plan around expenses, contributions, accessible investments and the bridge before funds unlock.

Living from the money

• Will my money last?

  Model retirement spending, income, withdrawal order and capital runway in Libevyn. There is no public runway calculator.

• How long will the money last? (guide)

  Accessible vs locked wealth, living-annuity bands, and the 50-55 bridge.

The whole wealth picture

• Net worth across providers

  One ZAR view of accounts, property and debt, split by how the money can actually be used.

• 22seven / Vault22 alternative

  Budgeting vs wealth planning. Use this page when the search is for a 22seven alternative, not the homepage.

For the explainer behind a date or a runway, see guides. Planning information only, not financial or tax advice.