Calculator

Our calculator incorporates over 100 years of historical stock market data and addresses key questions for members such as how much they should save and invest to achieve their wealth goals and the likelihood of achieving those goals depending on how much they save and invest and when they start saving and investing. The calculator enables you to:

• • Estimate the likelihood of you:
    • • Accumulating wealth in excess of your total investment, or in other words, the likelihood of you not losing money if you invest your savings in the stock market;
      • Accumulating wealth equal to or greater than your wealth goal;
      • Not running out of money during retirement before age 100.
  • Estimate how much wealth you could potentially accumulate in the future, along with the likelihood of  accumulating that much wealth if you:
    • • Start saving a specific amount per month from today;
      • Invest a single lump-sum today;
      • Have already accumulated a certain amount of wealth and you continue to save and invest a specific amount per month;
        • • This will enable you to review your estimated future wealth and required savings as your wealth accumulates and your financial circumstances change over time, to ensure you’re on track to achieve your personal wealth and timing goals.
  • Estimate how much you need to save and invest in order to achieve your wealth goal with varying confidence levels depending on how lucky or unlucky you end up being.
  • Estimate how much wealth you could miss out on by not making retirement savings contributions and thereby not availing of employer contributions and tax benefits.
  • Estimate how much retirement income you might expect if you achieve your wealth goal.
  • Estimate how much wealth you might expect to retain during retirement, and potentially pass on to the next generation, depending on how much you spend during retirement.

Ultimately, the calculator is designed to try and dispel some of the fear and uncertainty surrounding investing in the stock market and to build confidence in our members that if you start saving and investing from an early age, then there is a very good chance that you will accumulate meaningful wealth during your lifetime, even if your income is relatively modest.

It will demonstrate that even relatively small amounts saved can grow to surprisingly large amounts, given enough time. While time can sometimes be your foe when it comes to your health, it can be a very good friend indeed when it comes to your wealth!