Financial Calculators
Estimate South African tax, payroll, employment and loan amounts. Use the tools below to get a clear estimate without working through the formula by hand.
All financial calculators
PAYE Calculator South Africa 2026/2027
Estimate monthly PAYE, UIF and take-home pay using the 2026/2027 South African individual tax table.
Use calculatorSARS Tax Calculator 2026/2027
Estimate annual and monthly South African income tax using the 2026/2027 SARS individual tax rates and rebates.
Use calculatorUIF Calculator South Africa
Calculate employee and employer UIF contributions from a monthly salary using the configured earnings ceiling.
Use calculatorLoan Calculator South Africa
Calculate monthly loan repayments, total repayment and interest from the amount, rate, term and optional monthly fee.
Use calculatorLeave Days Calculator South Africa
Calculate accrued annual leave and estimate the value of unused leave days from salary and working-day information.
Use calculatorHourly Rate Calculator South Africa
Convert a South African monthly or annual salary into hourly, daily, weekly and monthly rates using your working hours.
Use calculatorSeverance Pay Calculator South Africa
Estimate gross severance from remuneration, completed service and the selected weeks paid per year.
Use calculatorCompound Interest Calculator South Africa
Calculate compound growth from a starting amount, monthly contributions, return, fees and inflation.
Use calculatorBond Repayment Calculator South Africa
Calculate a South African home loan repayment, total interest and the effect of an optional deposit over the bond term.
Use calculatorRetrenchment Calculator South Africa
Estimate severance, notice pay, unused leave value and a gross retrenchment package from your employment details.
Use calculatorRetirement Calculator South Africa
Estimate retirement savings from your current balance, monthly contribution, expected return and years until retirement.
Use calculatorLump Sum Retirement Calculator
Estimate tax and the net amount from a retirement lump sum using configurable tax-free and marginal-rate assumptions.
Use calculatorProvident Fund Calculator
Estimate provident fund growth from the balance, contributions, returns, fees, inflation and time.
Use calculatorTwo-Pot Retirement Calculator
Estimate new two-pot allocations and a possible savings-component withdrawal after entered tax and fees.
Use calculatorSavings Calculator South Africa
Calculate how regular monthly deposits and compound interest may grow your savings over a selected period.
Use calculatorBusiness Loan Calculator
Estimate monthly business loan repayments, total repayment and interest from the amount, rate, term and fees.
Use calculatorBond Amortisation Calculator
Estimate a home loan payment, interest cost and remaining balance after a selected number of years.
Use calculatorExtra Bond Payment Calculator
Compare a standard home loan with extra monthly payments to estimate interest saved and a shorter payoff time.
Use calculatorBond Cancellation Cost Calculator
Estimate bond cancellation costs from the attorney fee, notice shortfall charge and other expected expenses.
Use calculatorVehicle Finance Calculator
Estimate a vehicle finance instalment from price, deposit, balloon payment, interest rate and repayment term.
Use calculatorBuilding Loan Calculator
Estimate monthly repayments and total interest for a South African building loan using amount, rate and term.
Use calculatorProperty Transfer Cost Calculator
Estimate property transfer expenses from purchase price, transfer duty, legal fees and other quoted costs.
Use calculatorEstate Agent Commission Calculator
Calculate estate agent commission, VAT and estimated seller proceeds from the property price and commission rate.
Use calculatorBike Finance Calculator
Estimate motorcycle finance repayments from bike price, deposit, balloon, interest rate and repayment term.
Use calculatorBoat Finance Calculator
Estimate boat finance repayments from purchase price, deposit, balloon payment, rate and loan term.
Use calculatorTruck Finance Calculator
Estimate commercial truck finance repayments from price, deposit, balloon, interest rate and term.
Use calculatorInvestment Calculator
Estimate investment growth from a starting amount, monthly contributions, expected return and investment period.
Use calculatorUnit Trust Calculator
Estimate unit trust growth after annual fees from a lump sum, monthly investment, return and investment period.
Use calculatorForex Profit Calculator
Calculate an estimated forex trade profit or loss from position size, opening price, closing price and Rand conversion.
Use calculatorCrypto Tax Calculator
Estimate a taxable crypto gain and possible tax from proceeds, acquisition cost, expenses and an entered tax rate.
Use calculatorRetirement Income Calculator
Estimate how long retirement savings may last from the balance, return, inflation and monthly income required.
Use calculatorBond Affordability Calculator
Estimate an affordable property price from income, expenses, rate and term.
Use calculatorDebt-to-Income Ratio Calculator
Calculate monthly debt as a percentage of gross and net income.
Use calculatorHome Loan Deposit Calculator
Calculate a property deposit, resulting bond and upfront cash requirement.
Use calculatorBalloon Payment Calculator
Calculate a vehicle balloon amount and compare finance with and without it.
Use calculatorVehicle Settlement Calculator
Estimate a vehicle finance balance after a selected number of payments.
Use calculatorProperty Capital Gains Tax Calculator
Estimate a property capital gain from proceeds, base cost and exclusions.
Use calculatorRental Yield Calculator
Calculate gross and net rental yield after vacancy and annual expenses.
Use calculatorRent Affordability Calculator
Estimate rent available after expenses, debts, savings and a safety buffer.
Use calculatorOvertime Pay Calculator
Calculate overtime earnings from hourly pay, hours and an entered multiplier.
Use calculatorNotice Pay Calculator
Estimate employment notice pay from remuneration and notice period.
Use calculatorUIF Benefits Estimate Calculator
Create an indicative UIF benefit estimate from income, credit days and rate.
Use calculatorSalary Increase Calculator
Compare old and new salary, percentage increase and annual difference.
Use calculatorVAT Calculator South Africa
Add VAT, remove VAT or identify the VAT portion of an entered amount.
Use calculatorInvoice Profit Margin Calculator
Calculate invoice profit, margin and markup from revenue and costs.
Use calculatorGross Salary from Net Pay Calculator
Estimate the gross salary required for a selected take-home pay.
Use calculatorCost to Company Calculator
Combine cash salary, employer contributions, benefits and annual bonuses.
Use calculatorProrated Salary Calculator
Calculate salary for part of a month using calendar or working days.
Use calculatorBonus Tax Calculator
Estimate an entered tax deduction and net amount from a bonus.
Use calculatorLeave Payout Calculator
Convert unused leave days into an indicative gross cash value.
Use calculatorPublic Holiday Pay Calculator
Estimate pay for public-holiday hours using an entered multiplier.
Use calculatorSunday Pay Calculator
Calculate Sunday earnings from hours, ordinary rate and pay multiplier.
Use calculatorNight Shift Allowance Calculator
Estimate additional night-shift earnings from hours and allowance method.
Use calculatorThirteenth Cheque Calculator
Estimate gross and net thirteenth-cheque payment using entered deductions.
Use calculatorRetirement Annuity Tax Benefit Calculator
Estimate the tax effect of an entered deductible retirement contribution.
Use calculatorPension Withdrawal Tax Calculator
Estimate cash remaining after an entered pension withdrawal tax amount.
Use calculatorCredit Card Repayment Calculator
Estimate credit-card payoff time and interest from balance and payment.
Use calculatorDebt Consolidation Calculator
Compare current debt payments and cost with a proposed consolidation loan.
Use calculatorDebt Snowball Calculator
Order debts from smallest to largest balance and estimate the focused monthly payment for the first debt.
Use calculatorDebt Avalanche Calculator
Order debts by interest rate and identify the first balance targeted by the debt avalanche method.
Use calculatorLoan Comparison Calculator
Compare two loans using repayments, fees, total cost and effective monthly commitment.
Use calculatorEffective Interest Rate Calculator
Convert a nominal annual interest rate into an effective annual rate using the compounding frequency.
Use calculatorEmergency Fund Calculator
Calculate an emergency savings target from essential monthly costs, chosen cover period and current savings.
Use calculatorCar Depreciation Calculator
Estimate a vehicle’s future value and total depreciation from its current value, annual rate and period.
Use calculatorFreelance Hourly Rate Calculator
Calculate a sustainable freelance rate from income target, business costs, billable hours and leave allowance.
Use calculatorBreak-Even Point Calculator
Calculate break-even units and revenue from fixed costs, selling price and variable cost per unit.
Use calculatorBusiness Cash-Flow Calculator
Calculate expected closing cash from opening balance, customer receipts, operating costs, debt and owner drawings.
Use calculatorHelpful guides
PAYE Tax Explained for South African Employees
Read guideHow UIF Contributions Work
Read guideAnnual Leave Days in South Africa Explained
Read guideWhy use these calculators
Clear calculations make it easier to compare options, check quantities and plan a realistic budget. Each tool explains the figures it uses and shows a breakdown so you can understand the result instead of receiving only one number.
How these tools help
- Complete common calculations faster.
- See the formula and assumptions behind each result.
- Compare related tools without leaving the category.