What Is This Calculator Designed To Do

The Amethyst Living Annuity Planner helps you project your future income and estate value, giving you the clarity you need to plan boldly, retire simply, and live freely.

 

What This Calculator Can Do:

• Estimate Your Retirement Income:

Enter your lump sum investment and desired withdrawal rate to see your projected net income — monthly and annually — after applying realistic South African personal income tax rates.

• Project Your Estate Value:

See how much capital could remain after 5, 10, 15, 20, 25, or 30 years, depending on your chosen drawdown strategy.

• Inflation Protection Bonus:

The calculator automatically includes the unique 9% Inflation Protector bonus added to your capital after 5 years.

• Tax-Smart Calculations:

All withdrawal amounts are automatically taxed according to the latest SARS 2024/2025 personal income tax brackets — no guesswork needed.

• Visualise Your Retirement:

Graphs show how your capital and after-tax income are expected to change over time, helping you make informed decisions.

• Simple to Use:

Designed for ease and clarity — mobile-friendly, dropdown menus for retirement duration, and no confusing settings.

• Personalised Guidance:

When ready, you can easily connect with Albert at AS Brokers for expert advice tailored to your needs.