Free South African financial calculators

See your real take-home pay after PAYE, UIF and medical tax credits — on the latest SARS tax tables.

What SARS gives back for your medical scheme membership, per month and per year — no salary needed.

See if your retirement-fund contributions could earn you a SARS tax refund.

Estimate how much UIF you could claim if you lose your job, on the official replacement-rate scale.

Estimate your severance pay and the tax on it if you are retrenched.

Enter what you earn in each country, in its own currency, and see what proportion of it you keep after income tax. No exchange rate involved - the percentages are what compare.

Enter what you earn in each country, in its own currency, and see what proportion of it you keep after income tax. No exchange rate involved - the percentages are what compare. Note that New Zealand taxes from the first dollar, with no tax-free threshold.

Add VAT to a price or work backwards from a VAT-inclusive amount, at the standard South African 15% rate.

What you actually receive when you withdraw from your retirement savings pot — after tax at your marginal rate.

What lands in your account after the 20% dividends withholding tax.

Estimate CGT when selling shares, crypto or property — with the R50,000 annual exclusion and primary-residence relief applied.

What past money is worth today — on the official Stats SA consumer price index.

Work out the cushion you need for essential spending, how far your current savings already go, and how long it takes to close the gap.

Work out the exact SARS transfer duty on a property purchase — free up to R1.21 million.

Estimate your monthly home loan repayment and total interest.

Estimate the bond — and property price — you could qualify for, based on your income.

See how much interest you save — and how many years you cut — by paying extra into your bond.

Compare the equity you build by buying against the total rent you pay over the same period — in rand.

Everything you pay to register a property and its bond: SARS transfer duty, both attorneys and the Deeds Office — itemised.

Estimate monthly repayments on business funding from R50,000 to R10 million.

Work backwards from the income you want to the hourly rate that gets you there - using the hours you can actually bill, not the hours you work.

Work out repayments on a personal loan in South Africa.

Estimate car finance repayments, including a balloon payment.

Estimate how much you can responsibly borrow based on your income.

See how long it takes to clear a credit card balance and what it costs.

See how many months it takes to clear a debt at your current payment — and how much sooner you finish, and how much interest you save, by paying a little extra.

Project the future value of regular monthly savings.

What your driving really costs per month and per year, at the current pump price.

How many units your rand will buy — Eskom Homelight rates, or enter your own municipal tariff.

Project your tax-free savings account with the R46,000 annual and R500,000 lifetime limits built in.

Project your retirement pot and the monthly income it could sustain.

See how compound growth builds wealth: a starting amount plus optional monthly contributions, compounded monthly in rand.

Get a rough monthly premium estimate for life cover.

Estimate the monthly cost for the line speed you need.

The live market-implied dollar rate with a two-way converter, refreshed every 30 minutes.

List your debts and get the fastest payoff path — snowball or avalanche, with the exact payoff date.

Current grant amounts, SRD eligibility and how to apply — step by step.

Your 0–100 score from real numbers, projections and a personalised action plan. Free demo.

Professional invoices with VAT and line items — print or save to PDF, free.

Client quotes with live totals and VAT, print-ready.

Professional payslips with earnings, deductions and net pay — download as PDF, free.

Turn PDF statements from all major SA banks into categorised CSV or Excel.