Calculate Your Retirement Savings Withdrawals Instantly!
South Africa's Best Online Two-Pot Withdrawal Calculator
Welcome to TwoPotCalculator.co.za
South Africa's Two Pot Retirement System is changing the way you access your retirement savings—and our calculator helps you make the best financial decisions.
Instantly estimate
- How much you can withdraw today from your Savings Pot
- The tax you'll pay on your withdrawal
- Your long-term retirement savings impact
1. Know Exactly What You Can Access
- The new system splits your retirement fund into:
- Savings Pot (1/3): Accessible before retirement for emergencies.
- Retirement Pot (2/3): Preserved until you retire.
Our tool shows how much you qualify to withdraw based on your current savings.
2. Avoid Tax Surprises
- Early withdrawals are taxed—but how much?
- See real-time tax estimates before making a decision.
- Compare take-home amounts vs. long-term growth.
3. Plan for Your Future
Withdrawing now affects your retirement savings. Our calculator projects:
- Future value of your savings if you don't withdraw.
- Reduced growth if you take cash now.
- *Example: Withdrawing R5,000 today could cost you R30,000+ at retirement!*
How It Works in 3 Simple Steps
1
Enter Your Details
Fill in your income, contributions and savings info.
2
Get Instant Results
See your tax, net withdrawal, and future value instantly.
3
Make an Informed Choice
Understand the full picture before you decide.
No registration needed—100% free!
Who Should Use This Tool?
- Employees with retirement funds (RA, Pension, Provident)
- Freelancers planning for retirement
- Anyone needing emergency cash but worried about long-term effects