Assessment Calculators
Estate Estimator
Expected Investment Growth rate
Inflation Rate
What does the surviving spouse earn per month
How many years will your spouse continue to work
What is The Take Home Cash Required by your family
Use an SA Tax Calculator for the correct Tax Figure
What is the age of your spouse
For how long will your family require the income
Estate Assets
Would your spouse sell any asset and turn it into cash
Exector Fee
What are your liabilities - Bond, Vehicle Loans, Credit Card etc
How much life cover is available for the family
How much does your investments funding amount to
How much does your retirement funding amount to
Income Summary
Monthly income available
Monthly income required
Monthly shortfall/ Excess
Capital Summary
Initial available cash
Initial liabilities and expenses
Initial shortfall/ Excess
Assessment
Funds available will provide an income for
Additional cover required
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