This toolbox contains a number of models that you may find useful in planning for your retirement, making your investment choice and deciding how to invest your Retirement Benefit.  Please note that these calculators are for illustration purposes only and you should consult an accredited financial advisor to assist you with retirement planning.  For further information regarding appointing a financial advisor and preferential rates offered to UCTRF members, click here. 

CoE Calculator - Try

What do I use it for?

The CoE Calculator will assist you to calculate your estimated take-home pay.

Contribution Calculator - Try

What do I use it for?

Gives you an indication of how much you are saving towards retirement in the UCTRF after taking into consideration insurance Premiums and costs.

Retirement Calculator - Try

What do I use it for?

Gives you an indication of whether you have enough retirement savings to ensure a comfortable retirement.

Benefit Taxation Calculator - Try

What do I use it for?

Gives you an indication of the tax you might pay if you withdraw money from the UCTRF.

Death Cover Calculator - Try

What do I use it for?

Gives you an indication of whether you have enough death cover to ensure your Beneficiaries are taken care of if you die.

Life Annuity Calculator - Try

(monthly pension indicator)

What do I use it for?

Calculates your monthly pension given a specific amount to be invested at retirement (only pensions purchased with a registered insurer and payable for life).

Living Annuity Calculator - Try

(investment when you retire)

What do I use it for?

Calculates your pension income if you decide to purchase a Living Annuity from the UCTRF (remain invested and draw a monthly pension from your invested savings).

The above models are based on certain reasonable assumptions, which may or may not be borne out in reality.  
Whilst care has been taken in the compilation of this website, the editors and publishers do not accept responsibility for any loss or damage that may be sustained as a result of reliance by any person on the information contained herein. No information contained herein constitutes an offer for sale of any service or product and is also not financial or investment advice. No warranty is provided that the information is appropriate or suitable for any particular purpose, or that it is complete or accurate. In the case of any discrepancies, the UCTRF rules shall prevail.