Financial Calculators
South African financial calculators for tax, loans, bonds, retirement, and investments. Updated for 2026 SARS rates.
59 calculators available
South African Income Tax Calculator
Calculate your South African income tax for 2025/2026 tax year. Uses latest SARS tax brackets, rebates, and medical aid credits.
Use calculator →Bond Repayment Calculator
Calculate your monthly bond repayment in South Africa. See total interest, amortization schedule, and compare different loan terms.
Use calculator →PAYE Calculator South Africa
Calculate your monthly PAYE tax deduction for the 2025/2026 tax year. Includes UIF, SDL, and medical aid tax credits.
Use calculator →Salary Calculator South Africa
Calculate your net salary after PAYE tax, UIF, and pension deductions in South Africa. See your take-home pay instantly.
Use calculator →VAT Calculator South Africa
Calculate VAT in South Africa. Add or remove 15% VAT. Convert between VAT-inclusive and VAT-exclusive amounts instantly.
Use calculator →Compound Interest Calculator
Calculate compound interest on your savings and investments. See how your money grows with monthly contributions over time.
Use calculator →Loan Calculator
Calculate your monthly loan repayment in South Africa. Works for personal loans, car finance, and credit agreements.
Use calculator →SASSA Grant Calculator South Africa 2026/2027
Check your SASSA grant eligibility for 2026. Calculate Old Age, Disability, Child Support, Foster Care, and SRD grant amounts with means test.
Use calculator →Mortgage Calculator South Africa 2026
Calculate your South African mortgage repayment including transfer duty and full cost of ownership. Compare scenarios and stress-test against rate hikes.
Use calculator →Two-Pot Retirement Calculator
Calculate your Two-Pot retirement withdrawal tax and net payout. SA's new retirement system splits contributions into savings pot (1/3) and retirement pot (2/3).
Use calculator →SARS Tax Refund Calculator
Estimate your SARS tax refund for the 2025/2026 tax year. Factor in medical credits, retirement deductions, travel allowance, and more.
Use calculator →Retirement Lump Sum Tax Calculator
Calculate tax on retirement lump sum withdrawals in South Africa. Uses SARS retirement lump sum tax tables with tiered rates.
Use calculator →Medical Tax Credits Calculator
Calculate your medical aid tax credits (Section 6A) and additional medical expenses deduction (Section 6B) for the 2025/2026 tax year.
Use calculator →Crypto Tax Calculator
Calculate capital gains tax on cryptocurrency in South Africa. SARS treats crypto as intangible assets with 40% inclusion rate.
Use calculator →Solar Tax Rebate Calculator
Calculate your solar panel tax rebate. Individuals get 25% back (max R15,000). Businesses get 125% Section 12BA deduction.
Use calculator →Cost to Company Calculator
Break down your Cost to Company (CTC) package into take-home pay, UIF, pension, medical aid, and other deductions.
Use calculator →Domestic Worker Pay Calculator
Calculate domestic worker minimum wage, UIF contributions, and leave entitlements. Updated for 2026 rates (R28.79/hour).
Use calculator →Minimum Wage Calculator
Calculate South African minimum wage for different sectors. National minimum R28.79/hour with variations for farm and domestic workers.
Use calculator →Buy vs Rent Calculator
Compare the true cost of buying vs renting in South Africa. Factors in bond, transfer duty, rates, levies, and opportunity cost.
Use calculator →Bond Qualification Calculator
Estimate how much home loan SA banks will approve based on your income, expenses, credit score, and current interest rate.
Use calculator →Living Annuity Calculator
Calculate how long your living annuity will last at different drawdown rates (2.5%–17.5%). Plan sustainable retirement income.
Use calculator →Payslip Calculator South Africa 2026/2027
Generate a South African payslip showing PAYE (2025/2026 SARS brackets), UIF, pension, medical aid deductions, and net take-home pay.
Use calculator →Transfer Duty Calculator South Africa 2026/2027
Calculate SARS transfer duty on property purchases in South Africa using 2026/2027 brackets. Zero duty below R1,100,000. Shows bracket-by-bracket breakdown and effective rate.
Use calculator →Rent Affordability Calculator South Africa
Calculate how much rent you can afford in South Africa using the 30% income rule. Compare your budget against average rents in Cape Town, Johannesburg, Durban, and Pretoria.
Use calculator →Salary Sacrifice Calculator South Africa 2026
Calculate how much tax you save through salary sacrifice in South Africa. Pension contributions (27.5% limit), medical aid credits, and travel allowance restructuring. 2025/2026 SARS rates.
Use calculator →Retirement Calculator South Africa
Calculate how much you need for retirement in South Africa. Factor in retirement annuity, pension fund, and investment growth.
Use calculator →Car Finance Calculator
Calculate your monthly car finance repayment in South Africa. Includes balloon payment, deposit, and interest rate options.
Use calculator →UIF Calculator
Calculate your UIF (Unemployment Insurance Fund) contributions and potential benefits in South Africa.
Use calculator →Home Affordability Calculator
Calculate how much house you can afford in South Africa based on your income, expenses, and deposit.
Use calculator →Transfer Cost Calculator
Calculate transfer costs when buying property in South Africa. Includes transfer duty, attorney fees, and bond registration costs.
Use calculator →Capital Gains Tax Calculator
Calculate capital gains tax in South Africa. Covers property, shares, and other assets with latest SARS inclusion rates.
Use calculator →Tax-Free Savings Calculator
Calculate your Tax-Free Savings Account growth. R36,000 annual limit, R500,000 lifetime limit. No tax on interest or capital gains.
Use calculator →Savings Calculator
Calculate how long to reach your savings goal or how much to save monthly. Factor in interest and regular deposits.
Use calculator →Debt Payoff Calculator
Calculate how long it will take to pay off your debt. Compare minimum payments vs extra payments. Snowball and avalanche strategies.
Use calculator →Take Home Pay Calculator
Calculate your actual take-home pay in South Africa after PAYE, UIF, pension, and medical aid deductions.
Use calculator →Simple Interest Calculator South Africa
Calculate simple interest on savings or loans using I = P × R × T. Includes day-count conventions, SA bank rate benchmarks, and reverse calculations.
Use calculator →Amortization Schedule Calculator South Africa
Calculate your monthly bond or loan repayment with a full amortization schedule. Simulate extra payments and see how much interest you save.
Use calculator →Net Worth Calculator South Africa
Calculate your net worth in South Africa. Add assets and liabilities, see asset allocation, compare to SA age benchmarks, and project growth over time.
Use calculator →Travel Allowance Tax Calculator
Calculate your travel allowance tax deduction using the SARS deemed rate or actual cost method. Includes logbook calculation.
Use calculator →Estate Duty Calculator
Calculate estate duty in South Africa. 20% on first R30m, 25% above. R3.5m abatement, spousal rollover, and deductions.
Use calculator →Expat Tax Calculator
Calculate your SA expat tax liability. R1.25m foreign income exemption, 183-day rule, and double taxation agreements.
Use calculator →Turnover Tax Calculator
Calculate turnover tax for SA micro-businesses under R1m. Simplified tax replacing income tax, VAT, provisional tax, and CGT.
Use calculator →Import Duty Calculator
Calculate customs duty and VAT on imports to South Africa. Uses CIF value and tariff rates for common imported goods.
Use calculator →Severance Pay Calculator
Calculate severance pay for retrenchment in South Africa. 1 week per year of service as per BCEA, plus leave and notice period.
Use calculator →Rental Yield Calculator
Calculate gross and net rental yield on investment property in South Africa. Factor in levies, rates, insurance, and agent fees.
Use calculator →Investment Return Calculator
Calculate the return on your investment. See total profit, annualised return, and compare different investment scenarios.
Use calculator →Fixed Deposit Calculator
Calculate interest earned on fixed deposits in South Africa. Compare rates from major banks like FNB, Standard Bank, Nedbank, Absa.
Use calculator →Bond Comparison Calculator
Compare two or more bond offers side by side. See total cost, monthly repayment, and savings with different rates and terms.
Use calculator →Extra Payment Calculator
See how extra payments on your bond or loan save you money and shorten your repayment period.
Use calculator →Car Affordability Calculator
Calculate how much car you can afford in South Africa based on your income, expenses, and preferred monthly repayment.
Use calculator →Credit Card Payoff Calculator
Calculate how long to pay off your credit card and how much interest you will pay. See the impact of paying more than the minimum.
Use calculator →Interest Rate Calculator
Calculate the interest rate on a loan from the payment amount, loan amount, and term. Works for any loan type.
Use calculator →Deposit Calculator
Calculate the deposit needed for a home loan or car finance in South Africa. See how deposit size affects your repayment.
Use calculator →Salary to Hourly Calculator
Convert your annual or monthly salary to an hourly rate. Factor in working hours, leave days, and overtime.
Use calculator →Inflation Calculator South Africa
Calculate the impact of inflation on your money in South Africa. See purchasing power over time using historical CPI data.
Use calculator →Car Depreciation Calculator
Calculate how much your car depreciates over time. See projected resale value year by year.
Use calculator →Debt Consolidation Calculator
Calculate if consolidating your debts into one loan will save you money. Compare total interest and monthly payments.
Use calculator →Freelance Rate Calculator
Calculate your ideal freelance hourly or daily rate based on desired income, expenses, taxes, and billable hours.
Use calculator →Donations Tax Calculator
Calculate donations tax in South Africa. 20% on donations exceeding R100,000 per year. Includes Section 18A deduction for approved organisations.
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