Portfolio & Retirement
Track what you really own, see how concentrated it is, and plan the long road. Plain English, no sales pitch.
Choose your tax rules independently of pricing. Changing labels does not convert your savings. The holdings tracker totals remain ZAR or USD.
Portfolio TrackerPremium
Type in shares you already own elsewhere. We never connect to your broker. Signed in, your list is saved to your account so it shows on all your devices; otherwise it stays on this device. Only ZAR and USD holdings are supported; other currencies are not converted. Totals use USD; exchange conversion uses your assumption, not a live rate.
Risk ScorePremium
Add a holding to see how spread out your money is.
The calculators below remember the numbers you type. Signed in, they're saved privately to your account so they show on all your devices; otherwise they stay on this device. We never share them. Tap "Reset to example numbers" on any calculator to start fresh.
Retirement ProjectorPremium
"In today's money" takes off , so you can compare it with prices now. Returns are your assumption, not a promise. Real markets go up and down along the way.
401(k) & IRAPremium
401(k) & IRA essentials
- 401(k): your workplace plan
- Traditional contributions generally defer income tax until withdrawal. Roth contributions are taxed now; qualified withdrawals can be tax-free. Employer matching and vesting depend on your plan.
- Traditional vs. Roth IRA
- A traditional IRA may offer a deduction, depending on income and workplace coverage. Roth contributions are not deductible; qualified withdrawals may be tax-free. Check eligibility and current limits with the IRS.
Tax-advantaged does not mean risk-free. Athenian Owl does not verify your eligibility or calculate your local tax liability.
IRA Contribution PlannerPremium
Enter the current allowance verified with your tax authority and your total contributions across providers. This is a single-account-type illustration, not an eligibility or tax check.
No allowance assumed. Enter a verified limit to calculate room.
401(k) Employer Match IllustrationPremium
Illustrative monthly employer contribution: $0
Simple capped-match formula only. Your employer's plan, vesting, eligibility, tax-year limits and tiered matching can differ. No tax saving is calculated.
Safe Withdrawal CheckPremium
Your savings last about 16 years 5 months.
You're drawing 8.0% a year. A 4% withdrawal is a rule of thumb, not a safe guarantee. This assumes steady returns; market losses, fees and tax can shorten the result.
Athenian Owl is not a registered financial services provider. These tools are for education only and are not financial advice.