The F Factor
Understand how much things will cost
Our quick and easy tools and calculators will help you make an informed decision on the products you want or need.
- Calculate
Retirement
See how much you should be saving to ensure you enjoy your retirement.
Two-pot retirement
Calculate the estimated value of the savings and vested components of your retirement fund.
Financial check
Get a personalised financial roadmap that provides a full view of your finances, and guides you towards achieving your goals.
Personal loan
Calculate the cost of your Sanlam personal loan.
Speak to an expert
Navigating life and all its decisions can sometimes be daunting. You can do it on your own if you want to, or you can rely on one of Sanlam’s expert financial advisers to ensure you get the right financial advice.
Here to support you
Stay Scam Smart
Keep your investments safe. Spot fraud before it happens to you!
AI Credit Coach
Transform your relationship with credit and boost your financial literacy with AI Credit Coach, free and available 24/7.
National Budget Speech 2026
Our expert advice, tools and tips can help you turn Budget Speech confusion into confident action to boost your F Factor.
Financial check quiz
Unlock your financial future with a simple five minute quiz and receive a unique roadmap complete with personalised goals.
Sanlam Benchmark 2025
Explore the latest retirement fund research, insights, and presentations from the Sanlam Benchmark™ Survey.