99Tools guides
South African Calculator Guides
Clear, practical explanations for the figures behind university applications, building projects, personal finance and road trips. Each guide links to the right calculator without repeating the calculator page.
How APS Scores Work in South Africa
Understand how NSC subject marks become admission points, why university methods differ and what to check before applying.
Read guideHow to Compare University Entry Requirements
Compare APS totals, required subjects and programme selection rules before applying to South African universities.
Read guideHow Many Bricks Do You Need per Square Metre?
Learn why brick size, mortar joints, openings and waste change the number of bricks needed per square metre of wall.
Read guideHow to Calculate Concrete Volume
Calculate concrete cubic metres for slabs and foundations, convert millimetres correctly and add a sensible ordering allowance.
Read guideHow to Estimate Roof Tiles for a House
Estimate roof tiles using sloping roof area, manufacturer coverage, breakage allowance and pack quantities.
Read guideHow to Estimate Paint Needed for Walls
Estimate paint litres from net wall area, coats, product coverage and a waste allowance without overbuying.
Read guidePAYE Tax Explained for South African Employees
Understand annualised taxable income, 2026/2027 tax brackets, age rebates, UIF and why payslip PAYE can differ.
Read guideHow UIF Contributions Work
Learn how employee and employer UIF contributions are calculated and how the monthly earnings ceiling affects the result.
Read guideAnnual Leave Days in South Africa Explained
Understand the statutory annual leave cycle, common accrual methods and when unused leave may be paid out.
Read guideSeverance and Retrenchment Pay Explained
Understand severance, notice pay and unused leave when estimating a South African retrenchment package.
Read guideHow Bond Repayments Are Calculated
Understand home loan principal, interest, term, deposits and why variable rates change monthly bond repayments.
Read guideHow Extra Payments Can Reduce a Home Loan
See how extra monthly bond payments can shorten a home loan and reduce interest, plus what to confirm with the lender.
Read guideProperty Transfer Costs in South Africa
Understand transfer duty, conveyancing, Deeds Office and bond costs when budgeting for a South African property purchase.
Read guideCompound Interest Explained with a Simple Example
Learn how starting capital, monthly contributions, return and time combine to grow savings and investments.
Read guideThe Two-Pot Retirement System Explained
Understand the savings and retirement components of new contributions and why withdrawals need careful tax planning.
Read guideCrypto Tax in South Africa Explained
Understand why crypto gains may be revenue or capital, what records to keep and why a simple tax estimate is not final.
Read guideHow to Plan Toll Costs for a South African Trip
Plan toll fees by route and vehicle class, allow for return travel and confirm current plaza tariffs before leaving.
Read guideHow to Calculate Fuel Cost for a Trip
Estimate trip fuel cost from total distance, real vehicle consumption and the current price per litre.
Read guideHow to Build a Realistic Road Trip Budget
Build a practical South African road trip budget covering fuel, tolls, accommodation, meals, activities and contingency.
Read guideHow to Split Group Accommodation Costs Fairly
Split room rates, booking fees and shared extras clearly between travellers while handling private costs separately.
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