South African wealth planning for DIY investors
Bring your investments, retirement funds, TFSA, cash and property into one South African plan. Model your choices today, see when you can retire, and test how long your money could last.
Built around South African TFSA, retirement, tax and access rules.
Planning estimates only. You remain responsible for financial decisions.
No bank login · You enter balances · Cancel anytime
Libevyn helps South Africans plan wealth across the journey: accumulating, planning retirement, and living from the money.
Building wealth
While you're still working.
What should I do with my money now?
See where you stand, then model the decision before you make it. Libevyn brings the full picture together so a TFSA, RA or two-pot choice is not made from one provider screen.
Planning retirement
When you are deciding when you can stop working.
When can I afford to stop working?
Estimate a financial independence or retirement date, the target amount, and whether you are actually on track. Accessible investments and retirement money are modelled as different jobs, including the bridge before funds unlock.
Living in retirement
Approaching or already in retirement.
Will my money last?
Test how long capital could last under annual spending, other income, staged retirement spending, once-off expenses, and estimated withdrawal tax. Compare withdrawal orders on a year-by-year runway.
Banks, brokers, retirement providers and property values each show only part of your financial life. Libevyn sits above them so you can see the whole picture and model decisions across it.
Knows the cash account. It does not know your RA, brokerage or property equity.
Knows the investments on that platform. It does not know cash, retirement funds or the house.
Knows the RA, pension or provident fund. It does not know what you can spend before access.
Sits outside all of those systems, often with a bond that changes what the number actually means.
Libevyn is not trying to replace your bank, broker or retirement fund. Keep those accounts where they are. Use Libevyn to decide what to do with the money across all of them.
A US net-worth app with a rand sign still treats an RA as if it were spendable tomorrow. Libevyn is built around the wrappers, access rules and contribution limits South African DIY investors actually use.
Track contribution room across providers, not only inside one product.
Estimate remaining deductible headroom before you add to an RA, pension or provident fund.
Retirement money is part of wealth, with South African access rules, not a US-style 401(k) label.
Total net worth is not spendable wealth. The split is the planning question.
Model a savings-component withdrawal as a taxed decision, not as a second TFSA.
Include the asset and the bond so equity is not mistaken for years of living costs.
Plan the years before funds unlock instead of treating every rand as available next month.
Living-annuity bands, tax estimates and drawdown order belong in the same picture as accumulation.
Planning estimates based on the numbers you enter. Not SARS-verified, and not financial or tax advice. Confirm with SARS or a registered practitioner before acting.
The same product across the journey: a wealth picture, a retirement plan, scenarios, and a runway. Illustrative figures only.
Wealth accessibility
Total net worth
R3,810,000
Accessible wealth
R1,365,000
Cash, investments and similar
Retirement wealth
R1,150,000
RA, pension and provident
Property wealth
R1,350,000
Equity after linked mortgage
Dashboard and accessibility
One view of cash, investments, retirement funds and property, split into accessible vs restricted wealth.
FIRE Plan
Projection overview
Projected FIRE year
2041
at age 50
FIRE target
R10.5M
4% withdrawal rate
Accessible wealth
R850,000
Retirement wealth
R1,150,000
Bridge period · age 50–55
Accessible wealth may fund spending before retirement savings become available.
Sample illustration · Your projection will differ
Retirement plan
A target, a projected date, and whether accessible investments can cover the years before funds unlock.
Contribution scenario
Scenario A
R8,000/mo accessible
FIRE at 52
Scenario B
R14,000/mo accessible
FIRE at 48
Sample illustration · Results depend on your assumptions and balances
Scenario planning
Change a contribution or assumption and see the effect before you move the money.
Year-by-year projection
| Year | Age | Accessible | Total FIRE wealth |
|---|---|---|---|
| 2026 | 35 | R850k | R2.0M |
| 2033 | 42 | R2.1M | R4.8M |
| 2041 | 50 | R4.2M | R10.5M |
Sample illustration · 2041 row marks estimated FIRE year
Capital runway
A year-by-year path so you can test how long capital could last, not just a single headline number.
Update the balances that matter when you want to refresh your plan. No bank credentials required. Libevyn is for a strategic wealth plan, not daily bank transactions. Read how we handle data → Privacy Policy →
You do not hand Libevyn online banking or brokerage credentials. Update the balances that matter when you want to refresh your plan.
Libevyn does not connect to SARS. Figures are planning estimates from the numbers you enter, not a tax assessment.
Keep your bank, broker and retirement fund. Libevyn models the plan. You remain responsible for financial decisions.
HTTPS in transit. Each account is isolated. Automated backups with point-in-time recovery. Passwordless sign-in. See Privacy Policy and About for the detail we can stand behind.
Free tools and guides. Planning information only, not financial or tax advice.
Compare a TFSA vs RA contribution under 2026/27 rules. Planning estimates only.
Estimate a target and whether accessible wealth can cover the gap.
Model the years between stopping work and retirement-fund access.
Model spending, income, withdrawal order and capital runway in Libevyn.
Estimate tax, cash now, and the growth you may give up. Educational only.
Budgeting vs a South African wealth picture across EE, RA, TFSA and property.
Know where you stand. Model what comes next. 14-day free trial. Founding member pricing for a limited time, monthly or annual.