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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.
8+
Calculators
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Free
Real
SA Tax Data
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Calculator Suite
South Africa's most comprehensive free financial toolkit.
Bond / Home Loan
Monthly repayments, transfer duty, amortisation schedule, and scenario comparison.
Transfer Duty
Calculate SARS transfer duty on any SA property purchase.
PAYE Net Salary
Take-home pay after PAYE, UIF, medical aid credits, and retirement deductions.
Savings Comparison
Side-by-side compound interest comparison across SA banks with full tax treatment.
Tax-Free Savings (TFSA)
Project TFSA growth with annual R36,000 and lifetime R500,000 limit tracking.
Insurance Needs Analyser
Find out if your life and disability cover is adequate for your family's obligations.
Compound Interest
Project savings growth with SA interest tax treatment applied year by year.
Two-Pot Retirement
Model the long-term cost of withdrawing from your savings pot under the Two-Pot system.
Why RandSmart?
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.
Ready to run the numbers?
Start with the bond calculator — South Africa's most comprehensive home loan tool.
Calculate my bond repayment