SA Financial Calculators

VAT Calculator

Add or remove 15% South African VAT from any amount — essential for every SA business.

Employee PAYE

Calculate take-home pay and employer PAYE obligations for any SA employee salary.

Retrenchment Package

Statutory severance, notice pay, and leave payout — know your obligations under LRA & BCEA.

Free

Invoice / Quote / PO Generator

Professional SA-compliant invoices, quotes, and purchase orders — download as PDF, free.

Create document

Provisional Tax Calculator

IRP6 first and second provisional tax estimates with penalty risk indicator for sole proprietors and companies.

Salary vs Dividends

Optimal director remuneration split — compare PAYE vs dividends tax for SA company owners.

Business Loan Affordability

Monthly repayment, total interest, and true cost of credit for SA business term loans — NCA-compliant.

Break-Even Calculator

Units to break even, contribution margin, and margin of safety — for products, services, and side hustles.

Cash Flow Planner

3-month rolling cash flow projection for small businesses — spot deficits before they happen.

Plan

VAT Invoice Breakdown

Multi-line-item VAT calculator — mix excl./incl. amounts, get a full SARS-compliant VAT breakdown.

Property & Home Loans

Bond / Home Loan

Monthly repayments, transfer duty, amortisation schedule, and full scenario comparison.

Transfer Duty

Calculate SARS transfer duty on any SA property purchase.

Rent vs Buy

Break-even analysis for SA property: when does buying beat renting?

Sectional Title Levy

Monthly levy, special levies, and sinking fund contributions for your sectional title unit.

Tax & Income

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.

CGT Transaction Tracker

Capital gains tax with R40k exclusion, primary residence exemption, and inclusion rates.

Estate Duty

Estimate estate duty, executor fees, and master's fee for SA estate planning.

Retrenchment Package

Statutory severance, notice pay, and leave payout under the LRA and BCEA.

Taxable Income Estimator

Aggregate salary, freelance, rental, interest, and capital gains into a single SARS tax estimate.

Estimate

Savings & Investments

Savings Comparison

Compare compound interest returns across SA banks with full interest tax treatment.

Tax-Free Savings (TFSA)

Project TFSA growth with R36k annual and R500k lifetime limit tracking.

Compound Interest

Project savings growth with SA interest tax treatment applied year by year.

Inflation Impact

See how SA CPI erodes purchasing power over time and what you need to stay ahead.

Retirement & Long-term Planning

Retirement Annuity

Project RA growth with 27.5% tax deductibility and living annuity sustainability analysis.

Living Annuity Drawdown

FSCA 2.5–17.5% drawdown rules — will your capital last through retirement?

Two-Pot Retirement

Model the long-term cost of withdrawing from your savings pot under the Two-Pot system.

Insurance Needs Analyser

Find out if your life and disability cover is adequate for your family's obligations.

Analyse

Comparisons

RA vs TFSA

Side-by-side retirement vehicle comparison — projected fund, tax saving, monthly income, and a clear winner.

Savings Provider Comparison

Compare compound interest returns across SA banks with full interest tax treatment.

Finance vs Subscription

Total cost of vehicle ownership vs a monthly subscription — break-even, equity, and true all-in cost.

Debt & Vehicles

Debt Payoff

Snowball vs avalanche strategy comparison with month-by-month payoff schedule.

Vehicle Finance

Monthly instalment with balloon payment, deposit, and interest rate comparison.

Fuel Cost Per KM

Real running cost of petrol, diesel, and electric vehicles per km and per month.

Utilities & Tools

Load Shedding ROI

Generator vs inverter vs grid: break-even analysis and 5-year total cost of ownership.

Utility & Water Cost

Monthly electricity and water cost based on municipal tariffs, borehole, and solar options.

Credit Health Checker

NCA-compliant credit health assessment — Poor, Fair, Good, or Excellent tier rating.

Check now