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Cashflow Planning
Cashflow Planner Calculator
Use this calculator to model monthly income, retirement annuity contributions, TFSA saving, and living costs in one place. It is designed to show what your current structure leaves available each month and what those contributions may grow into over time.
Income and savings
Monthly expenses
Money left over at the end of the month: R 0
Gross monthly income: R 0. Estimated monthly tax after deductible RA treatment: R 0. Monthly take-home after tax and RA: R 0.
Deductible RA contributions are limited to R 430 000 a year, or 27.5% of taxable income, whichever is lower.
Allowed TFSA contribution under current limits: R 0 per month. The current TFSA annual limit is R 46 000, which works out to about R 3 833 a month if contributions are made evenly through the year, subject to the remaining lifetime room implied by the current TFSA value.
Estimated Result
Monthly cash left over
R 0
Gross monthly incomeR 0
Monthly taxR 0
Monthly RA contributionR 0
Monthly TFSA contribution usedR 0
Total living costsR 0
Total monthly outflowsR 0
TFSA Projection
Estimated TFSA value at age 65
R 0
Years remaining65 years
Annual TFSA amount usedR 0
Remaining lifetime room todayR 500 000
Lifetime cap timingNot reached in projection
RA Projection
Estimated RA value at age 65
R 0
Years remaining65 years
Annual deductible RA amountR 0
Annual tax savedR 0
Monthly RA amountR 0
Important Assumptions
- Uses SARS 2026/27 individual tax tables and current primary age-based rebates as a planning assumption.
- RA deductions are limited to 27.5% of remuneration or taxable income, subject to the current annual cap of R430,000.
- TFSA projections use the current annual limit of R46,000 and lifetime cap of R500,000. This version uses current TFSA value as a proxy for lifetime contribution room already used.
- Monthly income, expenses, and contributions are assumed to stay constant unless you change the inputs.
- Projection results exclude fees, inflation, salary growth, product-specific charges, and future legislative changes.
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Calculator FAQ
Questions people usually have before using this calculator
What should a South African cashflow planner include?
A practical cashflow planner should include income, tax, debt, living costs, savings, and retirement contributions so you can see what is actually available each month.
Can a cashflow calculator help with retirement planning?
Yes. It helps show whether there is real monthly room for RA and TFSA contributions before you make long-term planning commitments.