Financial Calculators
Estimate South African tax, payroll, employment and loan amounts.
Most used
PAYE Calculator South Africa 2026/2027
Estimate monthly PAYE, UIF and take-home pay using the 2026/2027 South African individual tax table.
Bond Repayment Calculator South Africa
Calculate a South African home loan repayment, total interest and the effect of an optional deposit over the bond term.
Loan Calculator South Africa
Calculate monthly loan repayments, total repayment and interest from the amount, rate, term and optional monthly fee.
Compound Interest Calculator South Africa
Calculate compound growth from a starting amount, monthly contributions, return, fees and inflation.
Tax and Pay
PAYE Calculator South Africa 2026/2027
Estimate monthly PAYE, UIF and take-home pay using the 2026/2027 South African individual tax table.
SARS Tax Calculator 2026/2027
Estimate annual and monthly South African income tax using the 2026/2027 SARS individual tax rates and rebates.
UIF Calculator South Africa
Calculate employee and employer UIF contributions from a monthly salary using the configured earnings ceiling.
Leave Days Calculator South Africa
Calculate accrued annual leave and estimate the value of unused leave days from salary and working-day information.
Hourly Rate Calculator South Africa
Convert a South African monthly or annual salary into hourly, daily, weekly and monthly rates using your working hours.
Severance Pay Calculator South Africa
Estimate gross severance from remuneration, completed service and the selected weeks paid per year.
Retrenchment Calculator South Africa
Estimate severance, notice pay, unused leave value and a gross retrenchment package from your employment details.
Crypto Tax Calculator
Estimate a taxable crypto gain and possible tax from proceeds, acquisition cost, expenses and an entered tax rate.
Property Capital Gains Tax Calculator
Estimate a property capital gain from proceeds, base cost and exclusions.
UIF Benefits Estimate Calculator
Create an indicative UIF benefit estimate from income, credit days and rate.
Bonus Tax Calculator
Estimate an entered tax deduction and net amount from a bonus.
Leave Payout Calculator
Convert unused leave days into an indicative gross cash value.
Retirement Annuity Tax Benefit Calculator
Estimate the tax effect of an entered deductible retirement contribution.
Pension Withdrawal Tax Calculator
Estimate cash remaining after an entered pension withdrawal tax amount.
Freelance Hourly Rate Calculator
Calculate a sustainable freelance rate from income target, business costs, billable hours and leave allowance.
Debt and Savings
Loan Calculator South Africa
Calculate monthly loan repayments, total repayment and interest from the amount, rate, term and optional monthly fee.
Compound Interest Calculator South Africa
Calculate compound growth from a starting amount, monthly contributions, return, fees and inflation.
Savings Calculator South Africa
Calculate how regular monthly deposits and compound interest may grow your savings over a selected period.
Building Loan Calculator
Estimate monthly repayments and total interest for a South African building loan using amount, rate and term.
Investment Calculator
Estimate investment growth from a starting amount, monthly contributions, expected return and investment period.
Unit Trust Calculator
Estimate unit trust growth after annual fees from a lump sum, monthly investment, return and investment period.
Debt-to-Income Ratio Calculator
Calculate monthly debt as a percentage of gross and net income.
Balloon Payment Calculator
Calculate a vehicle balloon amount and compare finance with and without it.
Rental Yield Calculator
Calculate gross and net rental yield after vacancy and annual expenses.
Rent Affordability Calculator
Estimate rent available after expenses, debts, savings and a safety buffer.
Overtime Pay Calculator
Calculate overtime earnings from hourly pay, hours and an entered multiplier.
Notice Pay Calculator
Estimate employment notice pay from remuneration and notice period.
Salary Increase Calculator
Compare old and new salary, percentage increase and annual difference.
Gross Salary from Net Pay Calculator
Estimate the gross salary required for a selected take-home pay.
Cost to Company Calculator
Combine cash salary, employer contributions, benefits and annual bonuses.
Prorated Salary Calculator
Calculate salary for part of a month using calendar or working days.
Public Holiday Pay Calculator
Estimate pay for public-holiday hours using an entered multiplier.
Sunday Pay Calculator
Calculate Sunday earnings from hours, ordinary rate and pay multiplier.
Night Shift Allowance Calculator
Estimate additional night-shift earnings from hours and allowance method.
Thirteenth Cheque Calculator
Estimate gross and net thirteenth-cheque payment using entered deductions.
Debt Consolidation Calculator
Compare current debt payments and cost with a proposed consolidation loan.
Debt Snowball Calculator
Order debts from smallest to largest balance and estimate the focused monthly payment for the first debt.
Debt Avalanche Calculator
Order debts by interest rate and identify the first balance targeted by the debt avalanche method.
Loan Comparison Calculator
Compare two loans using repayments, fees, total cost and effective monthly commitment.
Effective Interest Rate Calculator
Convert a nominal annual interest rate into an effective annual rate using the compounding frequency.
Emergency Fund Calculator
Calculate an emergency savings target from essential monthly costs, chosen cover period and current savings.
Break-Even Point Calculator
Calculate break-even units and revenue from fixed costs, selling price and variable cost per unit.
Home Loans
Bond Repayment Calculator South Africa
Calculate a South African home loan repayment, total interest and the effect of an optional deposit over the bond term.
Bond Amortisation Calculator
Estimate a home loan payment, interest cost and remaining balance after a selected number of years.
Extra Bond Payment Calculator
Compare a standard home loan with extra monthly payments to estimate interest saved and a shorter payoff time.
Bond Cancellation Cost Calculator
Estimate bond cancellation costs from the attorney fee, notice shortfall charge and other expected expenses.
Property Transfer Cost Calculator
Estimate property transfer expenses from purchase price, transfer duty, legal fees and other quoted costs.
Estate Agent Commission Calculator
Calculate estate agent commission, VAT and estimated seller proceeds from the property price and commission rate.
Bond Affordability Calculator
Estimate an affordable property price from income, expenses, rate and term.
Home Loan Deposit Calculator
Calculate a property deposit, resulting bond and upfront cash requirement.
Retirement
Retirement Calculator South Africa
Estimate retirement savings from your current balance, monthly contribution, expected return and years until retirement.
Lump Sum Retirement Calculator
Estimate tax and the net amount from a retirement lump sum using configurable tax-free and marginal-rate assumptions.
Provident Fund Calculator
Estimate provident fund growth from the balance, contributions, returns, fees, inflation and time.
Two-Pot Retirement Calculator
Estimate new two-pot allocations and a possible savings-component withdrawal after entered tax and fees.
Retirement Income Calculator
Estimate how long retirement savings may last from the balance, return, inflation and monthly income required.
Business
Business Loan Calculator
Estimate monthly business loan repayments, total repayment and interest from the amount, rate, term and fees.
Forex Profit Calculator
Calculate an estimated forex trade profit or loss from position size, opening price, closing price and Rand conversion.
VAT Calculator South Africa
Add VAT, remove VAT or identify the VAT portion of an entered amount.
Invoice Profit Margin Calculator
Calculate invoice profit, margin and markup from revenue and costs.
Business Cash-Flow Calculator
Calculate expected closing cash from opening balance, customer receipts, operating costs, debt and owner drawings.
Vehicle Finance
Vehicle Finance Calculator
Estimate a vehicle finance instalment from price, deposit, balloon payment, interest rate and repayment term.
Bike Finance Calculator
Estimate motorcycle finance repayments from bike price, deposit, balloon, interest rate and repayment term.
Boat Finance Calculator
Estimate boat finance repayments from purchase price, deposit, balloon payment, rate and loan term.
Truck Finance Calculator
Estimate commercial truck finance repayments from price, deposit, balloon, interest rate and term.
Vehicle Settlement Calculator
Estimate a vehicle finance balance after a selected number of payments.
Credit Card Repayment Calculator
Estimate credit-card payoff time and interest from balance and payment.
Car Depreciation Calculator
Estimate a vehicle’s future value and total depreciation from its current value, annual rate and period.
Which financial calculator should I choose?
Use Tax and Pay for salary estimates, Home Loans for bond planning, and Retirement for long-term savings. Confirm rates, fees and eligibility with the relevant provider before committing.
Are the example rates current offers?
No. Default inputs illustrate the calculation. Enter the rate and fees from your own current quotation.