[{"data":1,"prerenderedAt":140},["ShallowReactive",2],{"seo-\u002Fupdates\u002F2026-08-retirement-calculator":3,"content-query-7wTxMiYqM9":10},{"title":4,"description":5,"publishedAt":6,"image":7},"What your retirement contribution is actually worth","The MyBento retirement calculator works out whether your savings will last, what would close the gap, and what a contribution costs you after SARS relief. It works in today rand, every assumption is yours to change, and it sits inside the retirement application so the projection moves as you choose your contribution.","2026-08-10",{"src":8,"alt":9},"\u002Fassets\u002Fimages\u002Fupdates\u002F2026-08-retirement-calculator\u002Fcalculator-verdict.jpg","The MyBento retirement calculator, showing a plain-language answer above the contribution inputs",{"_path":11,"_dir":12,"_draft":13,"_partial":13,"_locale":14,"title":4,"description":5,"subTitle":15,"publishedAt":6,"draft":13,"image":16,"intro":17,"audiences":18,"body":20,"_type":134,"_id":135,"_source":136,"_file":137,"_stem":138,"_extension":139},"\u002Fupdates\u002F2026-08-retirement-calculator","updates",false,"","A calculator that says in one sentence whether you are on track, what it would take to close the gap, and what contributing really costs you after tax.",{"src":8,"alt":9},"Everyone paying into a retirement annuity is answering the same question: will it be enough? MyBento has a calculator that answers it in a sentence, shows you the arithmetic behind the answer, and lets you argue with every assumption it made.",[19],"Employees",{"type":21,"children":22,"toc":127},"root",[23,32,38,43,54,60,65,70,75,85,91,96,101,107,112,117],{"type":24,"tag":25,"props":26,"children":28},"element","h2",{"id":27},"an-answer-not-a-spreadsheet",[29],{"type":30,"value":31},"text","An answer, not a spreadsheet",{"type":24,"tag":33,"props":34,"children":35},"p",{},[36],{"type":30,"value":37},"Two figures is all it asks for: what you have saved, and what you put away each month.\nFrom those it tells you in plain words how long your savings will last. \"You are on\ntrack\", or \"your savings run out at age 79\", is the first thing on the page, before any\nchart.",{"type":24,"tag":33,"props":39,"children":40},{},[41],{"type":30,"value":42},"Underneath runs a single track from today to the end of your plan: the years you are\nstill earning, the years your savings cover you, and the years they do not. Where there\nis a gap, the calculator says exactly what closes it, in rand a month.",{"type":24,"tag":33,"props":44,"children":45},{},[46],{"type":24,"tag":47,"props":48,"children":53},"img",{"alt":49,"height":50,"src":8,"width":51,"caption":52},"The retirement calculator, showing a plain-language verdict above the savings and contribution inputs",620,1118,"Green for the years your savings cover, amber for the ones they do not.",[],{"type":24,"tag":25,"props":55,"children":57},{"id":56},"every-assumption-is-yours-to-change",[58],{"type":30,"value":59},"Every assumption is yours to change",{"type":24,"tag":33,"props":61,"children":62},{},[63],{"type":30,"value":64},"A projection is only as good as what it assumes, so the calculator shows its working.\nFive settings sit behind a disclosure: the age you retire, how long the money must last,\nhow much of your income you will need, the return you expect after fees, and inflation.\nMove any of them and the answer moves with you.",{"type":24,"tag":33,"props":66,"children":67},{},[68],{"type":30,"value":69},"Everything is worked out in today's rand, so a figure forty years out means what it\nsounds like rather than a large number that inflation has flattered. One tap switches to\nwhat it will say on the day, if you would rather see that.",{"type":24,"tag":33,"props":71,"children":72},{},[73],{"type":30,"value":74},"Where MyBento does not know your salary, the figures that depend on it say so instead of\nfilling in a guess.",{"type":24,"tag":33,"props":76,"children":77},{},[78],{"type":24,"tag":47,"props":79,"children":84},{"alt":80,"height":81,"src":82,"width":83},"The assumptions panel open, showing retirement age, how long the money must last, the income needed, return and inflation",726,"\u002Fassets\u002Fimages\u002Fupdates\u002F2026-08-retirement-calculator\u002Fcalculator-assumptions.jpg",1125,[],{"type":24,"tag":25,"props":86,"children":88},{"id":87},"what-it-actually-costs-you",[89],{"type":30,"value":90},"What it actually costs you",{"type":24,"tag":33,"props":92,"children":93},{},[94],{"type":30,"value":95},"Contributions to a retirement annuity are tax-deductible, so the amount leaving your\npocket is smaller than the amount going into your fund. The calculator shows both: the\ncontribution, and what it costs you once SARS has given the relief back.",{"type":24,"tag":33,"props":97,"children":98},{},[99],{"type":30,"value":100},"That is a useful number to have before you decide. Raising a contribution from R1 900 a\nmonth to R3 251 sounds like R1 351 more. After relief it is closer to R845.",{"type":24,"tag":25,"props":102,"children":104},{"id":103},"right-where-you-choose-the-amount",[105],{"type":30,"value":106},"Right where you choose the amount",{"type":24,"tag":33,"props":108,"children":109},{},[110],{"type":30,"value":111},"The same projection sits inside the retirement application, folded under the contribution\nstep until you want it. There is one place to set the amount, and the projection follows\nit, so you can watch what another percentage point does to your retirement before you\ncommit to it.",{"type":24,"tag":33,"props":113,"children":114},{},[115],{"type":30,"value":116},"Whatever you type is kept, so coming back does not mean entering your savings again, and\nthe figures carry into the application on the same device.",{"type":24,"tag":118,"props":119,"children":126},"update-video",{":height":120,":width":121,"alt":122,"caption":123,"poster":124,"src":125},"698","1040","The contribution slider being dragged from 1.5% to 11.5%, with the projection below it updating from covering you to 69 through to 83","One control sets the amount; everything below it follows.","\u002Fassets\u002Fimages\u002Fupdates\u002F2026-08-retirement-calculator\u002Fcontribution-slider.jpg","\u002Fassets\u002Fimages\u002Fupdates\u002F2026-08-retirement-calculator\u002Fcontribution-slider.mp4",[],{"title":14,"searchDepth":128,"depth":128,"links":129},2,[130,131,132,133],{"id":27,"depth":128,"text":31},{"id":56,"depth":128,"text":59},{"id":87,"depth":128,"text":90},{"id":103,"depth":128,"text":106},"markdown","content:updates:2026-08-retirement-calculator.md","content","updates\u002F2026-08-retirement-calculator.md","updates\u002F2026-08-retirement-calculator","md",1790452228652]