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financial decisions
Free, accurate calculators using real SA rates, real SARS tax rules, and real product data — no sign-up required, no hidden agendas.
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Calculator Suite
South Africa's most comprehensive free financial toolkit — 30 calculators and counting.
Bond / Home Loan
Monthly repayments, transfer duty, amortisation schedule, and scenario comparison.
PAYE Net Salary
Take-home pay after PAYE, UIF, medical aid credits, and retirement deductions.
VAT Calculator
Add or remove 15% South African VAT from any amount instantly.
Savings Comparison
Side-by-side compound interest comparison across SA banks with full tax treatment.
Retirement Annuity
Project RA growth with 27.5% tax deductibility and living annuity sustainability analysis.
Vehicle Finance
Monthly instalment with balloon payment, deposit, and interest rate comparison.
Retrenchment Package
Statutory severance, notice pay, and leave payout under the LRA and BCEA.
Budget Planner
50/30/20 budget analysis adapted for SA income levels — needs, wants, and savings.
See all 30 calculators
Property, tax, retirement, debt & more
Why Money Pod?
International tools ignore SA law. Local tools are fragmented. We fix both.
Real SA data
SARB prime rate, SARS tax brackets, NCA fee caps, and actual bank products — updated when the law changes.
Genuinely free
No paywalls, no sign-up, no ads that obscure the result. Revenue comes from transparent partner referrals only.
Transparent calculations
Every result shows its working — amortisation schedules, tax workings, and full scenario breakdowns are always one click away.
Invoice, Quote & PO Generator
Create professional, SA-compliant invoices, quotes, and purchase orders in seconds — add your logo, banking details, and VAT number. Download as a clean PDF, free. No subscription, no watermarks.
Ready to run the numbers?
Start with the bond calculator — South Africa's most comprehensive home loan tool.
Calculate my bond repayment