Their future starts now.
You provide the kickstart. Time does the heavy lifting. A small monthly investment, started early and raised a little each year, can grow into an income your child never has to worry about.
Three quiet rules. One outsized result.
Start absurdly early
Every year of delay costs more than the year before it. A contribution made at birth compounds for 65 years. The same rand at age 30 gets half the runway and a fraction of the outcome.
Escalate 6% a year
The plan assumes your contribution rises 6% annually, roughly in line with salary growth. It never gets harder to afford, yet it more than doubles the final result compared to a flat contribution.
Never interrupt it
The last ten years do most of the work. The plan is designed to be left alone: no timing the market, no pausing in tough years, no touching it at 18 unless that was always the goal.
Run their numbers. Then travel their life.
Set the plan on the left. Then drag the age scrubber under the curve to stand at any point in their life and read what the plan is worth there. One calculation, read from wherever you choose.
Assumptions
See the escalation schedule
| Year | Child's age | Monthly amount |
|---|
Start at birth, or pay the waiting tax
Both reach exactly the same value at retirement. One pays only through childhood and then stops. The other pays every month of their working life to catch up.
Pays for the same number of years, but starts decades earlier. The market does almost all of the work.
The same commitment, thirty years later. To land in the same place the contribution has to do the work that time was never given.
The most valuable thing you can give them is a head start
You will not be in every chapter of their story. This can be.
Time they can never buy back
No salary, bonus or windfall later in life can recreate the decades of compounding a child gets for free. Starting early is the one advantage that cannot be purchased afterwards.
A habit, not a windfall
Kickstart is built on small monthly amounts that rise 6% a year, roughly in step with your own income. No lump sum required, no strain, no perfect timing needed.
An income, not just a number
The goal is not a big balance on a statement. It is a monthly income your child can one day live on, locked in decades before they ever need it.
Start their plan this month
A 30 minute conversation is enough to set up a Kickstart properly: the right product, the right owner, the right escalation. No obligation, no jargon.
Figures on this page are simplified long term illustrations, not guarantees. They assume the growth, inflation and escalation rates shown in the calculator, ignore product fees and tax, and are shown in both future rands and today's buying power as labelled. Actual product recommendations depend on your circumstances and are covered in a formal advice process.