Free Financial Needs Analysis (FNA) Calculator

Personal Information

Let's start with the basics

Your age

Marital status

Single

Married

Number of dependents

Youngest dependent's age (optional)

Income & Expenses

Your current financial situation

Monthly gross income

R

Spouse's monthly income (if applicable)

R

Total monthly expenses

R

Assets & Debts

What you own and what you owe

Assets

Emergency fund / Cash savings

R

Retirement savings (RA, pension, provident)

R

Property value (primary residence)

R

Other investments (TFSA, unit trusts, shares)

R

Debts

Home loan outstanding

R

Other debt (car, credit cards, personal loans)

R

Current Insurance Cover

What protection do you already have?

Life insurance cover

R

Disability / Income protection (monthly benefit)

R

Critical illness / Severe illness cover

R

Retirement Planning

When and how do you want to retire?

Planned retirement age

Desired monthly retirement income (today's Rands)

R

Monthly contributions to retirement (RA, pension)

R

Estate Planning

Protecting your loved ones

Do you have a valid will?

Yes

No

Have you nominated beneficiaries on all policies?

Yes

No

💰 Monthly Investment Needed

R 0

🎯 Your Retirement Goal

📊 What If I Invest More?

See how increasing your monthly investment changes your outcome

Extra monthly investment:

R 0 R 0 R 10,000

📈 Your Wealth Timeline

How your assets grow to retirement (in today's rands)

🛡️ Protecting Your Investment Journey

Insurance to protect your family while you build wealth

Emergency Fund

Action Plan

Next Steps

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💼 Financial Needs Analysis