Financial Needs Analysis Calculator South Africa

This is an educational calculator for South Africans, not personal financial advice. Use it to spot gaps before you speak to a qualified planner.

Step 1 of 7

Personal Information

Let's start with the basics

Your age

Marital status

Single

Married

Number of dependents

Youngest dependent's age (optional)

Income & Expenses

Your current financial situation

Monthly gross income

Spouse's monthly income (if applicable)

Total monthly expenses

Assets & Debts

What you own and what you owe

Assets

Emergency fund / Cash savings

Retirement savings (RA, pension, provident)

Property value (primary residence)

Other investments (TFSA, unit trusts, shares)

Debts

Home loan outstanding

Other debt (car, credit cards, personal loans)

Current Insurance Cover

What protection do you already have?

Life insurance cover

Disability / Income protection (monthly benefit)

Critical illness / Severe illness cover

Retirement Planning

When and how do you want to retire?

Planned retirement age

Desired monthly retirement income (today's Rands)

Monthly contributions to retirement (RA, pension)

Estate Planning

Protecting your loved ones

Do you have a valid will?

Yes

Have you nominated beneficiaries on all policies?

Yes

💰 Monthly Investment Needed

R 0

🎯 Your Retirement Goal

📊 What If I Invest More?

See how increasing your monthly investment changes your outcome

Extra monthly investment:

R 0 R 0 R 10,000

📈 Your Wealth Timeline

How your assets grow to retirement (in today's rands)

🛡️ Protecting Your Investment Journey

Insurance to protect your family while you build wealth

Emergency Fund

Action Plan

Next Steps

Use the rest of PaidProperly to connect this plan back to your income and work options.

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