Financial Calculators

Financial planning starts with clarity. That’s why at DWD Financial Planners, we provide easy-to-use financial calculators that help you understand where you stand and where you’re headed. Whether you’re working out your retirement savings, investment growth, or monthly affordability, our calculators give you the numbers you need to make confident decisions.

These tools are designed to simplify complex calculations so you can see the bigger picture of your financial journey. Once you’ve explored your results, our advisors are ready to provide personalized strategies to turn those numbers into action plans that secure your future.

Free Financial Planning Tools

Find out if you are on track for retirement — and how much more you need to save. Powered by 8% p.a. growth assumptions. Estimates only; speak to DWD for a personalised projection.

Calculate exactly how much life cover your family needs if something happens to you — including income replacement, debt clearance, and education funding.

Estimate how much SARS tax you will pay on your pension or provident lump sum using the official 2024/25 retirement fund tax tables. For amounts above R3 million, contact DWD directly.

Answer 10 quick yes/no questions to identify gaps in your estate plan — and get personalised recommendations from DWD's estate planning specialists.

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Include RA, pension/provident fund, and other long-term investments.
Include employer and employee contributions to pension, provident, and RA.

Projected Savings at Retirement

R 0
Readiness Analysis Fair
Years to retirement 25 years
Retirement income target R 0
Monthly income in retirement R 0
Funding gap / surplus —
Additional monthly needed —

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Include a spouse/partner, children, and any other people dependent on your income.
Include home loan, vehicle finance, credit cards, and personal loans.
Include employer group life, personal policies, and funeral cover.

Total Life Cover Recommended

R 0
Cover Breakdown Underinsured
Income replacement (10× annual) R 0
Debt clearance R 0
Education fund for dependents R 0
Estate & executor costs (est.) R 50,000
Less: existing cover R 0
Cover gap / surplus —
Est. monthly premium range —
Recommended product type —

Get an exact life cover quote from DWD — we compare multiple providers to find you the best value.

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R 500,000
Slide to select your lump sum amount up to R3 million. Contact DWD for larger amounts.
Retirement and retrenchment attract a more favourable tax rate with a higher tax-free threshold.
SARS aggregates all lifetime retirement fund withdrawals when applying the tax tables. This reduces the tax-free portion available.
SARS 2024/25 Tax Tables Applied This estimator uses the official SARS retirement fund lump sum tax tables. Tax on retirement/retrenchment: R0–R550,000 @ 0%, R550,001–R770,000 @ 18%, R770,001–R1,155,000 @ 27%, above R1,155,000 @ 36%. Speak to DWD for a precise calculation based on your full retirement history.

Estimated Net Payout (after tax)

R 500,000
Tax Breakdown 0% rate
Gross lump sum R 500,000
Tax-free portion R 500,000
SARS tax payable R 0
Net payout R 500,000
Effective tax rate 0.0%
Marginal tax rate (top bracket) 0%

DWD can help you structure your retirement lump sum to minimise SARS tax — including preservation fund strategies.

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Your progress 0 of 10 answered

1. Do you have a valid, signed will that has been updated in the last 5 years?

2. Are your beneficiary nominations up to date on all policies and retirement funds?

3. Have you nominated an executor in your will to administer your estate?

4. Do you have life cover sufficient to cover estate duties, executor fees, and outstanding debts?

5. Have you considered the estate duty implications on your assets? (Estate duty applies above R3.5 million at 20%.)

6. If you have minor children, have you nominated a legal guardian in your will?

7. Have you considered a testamentary trust to protect assets left to minor or vulnerable beneficiaries?

8. Do you have a Tax-Free Savings Account (TFSA) or endowment policy as part of your wealth strategy?

9. Is a trusted family member aware of the location of your will, policies, and important financial documents?

10. Have you reviewed your estate plan with a qualified financial planner in the last 3 years?

— / 10
Answer to see your score

Answer all 10 questions to get your personalised estate planning readiness rating and a list of gaps DWD can help you address.

Gaps identified — DWD recommends:

Complete all 10 questions to unlock your free estate planning assessment.

Book a Free Estate Planning Review Call 082 783 3369

Why Use Our Free Financial Planning Tools?

Retirement Readiness Calculator
✔ See exactly how much you'll have at retiremen...
Life Cover Calculator
✔ Find out in seconds how much life cover your ...
Pension Lump Sum Tax Estimator
✔ Calculate exactly how much SARS tax you'll pa...
Estate Planning Checklist
✔ Identify gaps in your estate plan and get per...

How Does It Work?

Retirement Readiness Calculator

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1. Enter your current age, target retirement age, and monthly gross income.

2. Add your current retirement savings and monthly contribution amount.

3. Click Calculate to see your projected lump sum, funding gap, and how much more you need to save.

Life Cover Calculator

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1. Select your age group and monthly income, then set the number of financial dependents.

2. Add your total outstanding debt and any existing life cover you already hold.

3. Click Calculate to see your recommended cover amount, gap, and estimated monthly premium.

Pension Lump Sum Tax Estimator

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1. Use the slider to select your pension or provident fund lump sum amount.

2. Choose whether the withdrawal is due to retirement/retrenchment or resignation/dismissal.

3. Select any previous fund withdrawals, then click Calculate to see your SARS tax and net payout.

Estate Planning Checklist

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1. Work through 10 yes/no questions covering your will, beneficiaries, executor, and estate structure.

2. Answer honestly — each No identifies a real gap in your estate plan.

3. View your readiness score and personalised recommendations, then book a free review with DWD.

Financial Calculators FAQ