Lets start this very exciting journey today… Choose one of the following Do you want to do an estimate of your Estate Calculate how long your money will last for your family in the event of death Do you want to do an estimate of your Disability Calculate how long your money will last for your family in the event of disability Do you want to do an estimate of your Retirement Calculate how long your money will last for your family in the event of retirement To consult a licensed Financial Advisor Register Assistance to Catalogue and Plan Your Personal Budgets, Net Worth, Investments & Insurance and Host it All in One, Accessible Permanent Place Disability Estimator Expected Investment Growth rate In Your Experience Inflation Rate In Your Experience What is the initial income from your income protector insurance policy This is a cash flow enhancement tool What is the waiting period in months "1 month""3 months""12 months""24 months" This will only make a real difference if it is over 12 months By how much will it increase annually This depends on your contract Present age Normally at reirement age - but could be a shorter period At what age will it cease Normally at reirement age - but could be a shorter period Property rental/ other income Increasing at the inflation rate What does you spouse earn monthly Spouse Gross Salary How many years will your spouse continue to work Normally this would be the term to retirement age What cash does your family require as take home monthly Our full Assessment tool will remind you of hidden costs Use an SA Tax Calculator for the correct Tax Figure Ignore tax at your family's peril For how long in years, will your family require the income Variable terms of required income arenot taken into account EG child education costs Would you sell any asset and turn it into cash Sale of vehicles, property or collectables to generate extra income What liabilities would you want to pay off- Bond, Vehicle Loans, Credit Card etc Remember to adjust your take home cash or budget by the saved monthly instalments Vehicle and Home Modification and other disability appliance cost Extra Contingency Planning How much capital disability cover do you have Lump Sum Disability Cover on your life payable for your families use How much do you have accumulated in your investments What is the present fund value of your investments How much do you have accumulated in your retirement funds What is the present fund value of your retirement annuities pension funds etc How much does your spouse have in accumulated instruments The present fund fund value should be used for this estimation How much does your spouse have in accumulated retirement funding The present fund fund value should be used for this estimation Income Summary Monthly income available 0 Monthly income required 0 Monthly shortfall/ Excess 0 Capital Summary Initial available cash 0 Initial liabilities and expenses 0 Initial shortfall/ Excess 0 Assessment Funds available will provide an income for years Additional cover required capital Assumptions Assumption #1 : Your spouse salary will increase by inflation Assumption #2 : You have estimated your family’s income needs fairly accurately Assumption #3 : You have calculated the tax requirement accurately Assumption #4 : You realise that this is an estimation - and does not take children or dependants term of requirement into account Assumption #5 : You have taken ALL your hard assets into consideration Assumption #6 : You have added up every cent that your estate could be liable for (no nasty surprises) Including Executor's Fees Assumption #7 : You are sure that your life cover is active and not payable to a third party Assumption #8 : The fund values for your investments are up to date Assumption #9 : Your retirement instruments are divorce decree proof Assumption #10 : You understand the rules of group life cover you may have Cash Flow