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Two-Pot Retirement Calculator

Model the long-term cost of withdrawing from your savings pot under the Two-Pot Retirement System (effective 1 September 2024).

Your Position

Assumptions

Withdrawal Impact

Your Retirement Position

Current Fund Balance (ZAR)

Your full vested balance — all pre-September 2024 savings

Monthly Contribution (ZAR)

Employee + employer combined monthly amount

Current Age — 35

1864

Retirement Age — 65

5570

30 years to retirement

Complete the 3 steps to see your projection

Enter your retirement fund details, assumptions, and an optional withdrawal amount to model the long-term impact.

Two-Pot rules (effective 1 September 2024): One-third of all new contributions go to the savings pot (accessible once per tax year, min R2,000). Two-thirds go to the retirement pot (locked until retirement). Your existing balance is the vested component under previous rules. All savings pot withdrawals are taxed at your marginal income tax rate.

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