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How much do I need to retire in South Africa?

Get a FIRE number from your monthly spending, then see whether accessible investments can cover the years before RA and pension money unlocks. Uses Libevyn’s South African defaults. No bank login.

New to the idea? Read how a SA FIRE number works, then come back with your own expenses.

Results

FIRE number

Annual expenses ÷ safe withdrawal rate, today’s rand.

Projected FIRE

Progress

Current FIRE wealth: -
Gap: -
Progress: -

Accessible vs locked

Accessible now: -
Retirement (locked): -

Keep this path connected to your real accounts.

Libevyn models the years before retirement funds unlock, then the drawdown after, using balances you update over time.

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Accessible vs locked wealth, contribution assumptions, and the bridge to retirement access stay connected as your balances change.

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Disclaimer

This calculator provides estimates for information only. It is not financial, tax, or investment advice and it does not tell you when to retire or which product to buy. Results depend on the figures you enter and on Libevyn’s South African defaults (including a typical retirement access age of 55 and a two-pot split on retirement balances). They are not SARS-verified. Fund-specific access, living-annuity rules, fees, and actual returns will differ. Consider professional advice before acting.