Two-Pot Future Value Calculator
Every contribution you make from 1 September 2024 onwards is split — one-third into your accessible Savings Component and two-thirds into your preserved Retirement Component. This calculator projects how both pots grow under monthly compounding so you can see the retirement capital the mandatory two-thirds allocation builds.
Two-Pot Future Value Calculator
Project the long-term split between your Savings (1/3) and Retirement (2/3) components.
Projected total fund value at retirement
R 5 950 290
from R 900 000 contributed over 25 years
How future contributions divide
- Growth on existing balance
- R 2 586 924
- Savings Component (from new contributions)
- R 1 121 122
- Retirement Component (from new contributions)
- R 2 242 244
Assumptions: New contributions are split 1/3 Savings and 2/3 Retirement per the two-pot rules. Returns compound monthly at a constant rate; existing (vested) balances are not re-split. Estimates only.
Understanding the one-third / two-thirds split
The two-pot reform was designed to balance two competing needs: short-term emergency access and long-term preservation. By routing two-thirds of every new contribution into a Retirement Component that cannot be touched until retirement, the system protects the bulk of your savings from being depleted by early withdrawals — a structural improvement over the old regime where resigning members frequently cashed out their entire fund.
How we project growth
We compound your existing balance forward at your chosen annual return, then add the future value of your ongoing monthly contributions using a standard monthly-compounding annuity formula. New contributions are divided 1/3 to Savings and 2/3 to Retirement for the projected split; your existing vested balance is shown as a single growth figure because it is not re-split under the rules.
Make the projection actionable
- Feed your projected total into the pension projection calculator to estimate your monthly retirement income.
- Considering a withdrawal? The retirement impact calculator shows what you would sacrifice.
- New to the system? Start with what the two-pot system is.
Projections assume a constant nominal return and consistent contributions. Actual returns and contributions vary. Estimates only — not financial advice.
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