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Savings Provider Comparison

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

Your Details

Lump Sum (ZAR)

Monthly Contribution (ZAR)

Term — 5yr

1mo40yr

Age — 30

Interest exemption: R23,800/year

Marginal Tax Rate

Account Types

Instant Access Notice Deposit Fixed Deposit Tax-Free (TFSA) Money Market

Show inflation-adjusted values

🥇 Best Net Return 🔓 Best Instant Access 🔒 Best Fixed Term 💚 Best TFSA

African Bank Fixed Deposit (12 Month) Fixed

🥇 Best Net Return 🔒 Best Fixed Term

Rate history

9.60%

R 157,273

net future value

Rate

9.6% p.a.

Gross Value

R 157,273

Tax Payable

R 0

Eff. Net Rate

7.6083%

Capitec Bank Fixed-Term Savings (12 Month) Fixed

Rate history

9.40%

R 156,075

net future value

Rate

9.4% p.a.

Gross Value

R 156,075

Tax Payable

R 0

Eff. Net Rate

7.4438%

African Bank Fixed Deposit (6 Month) Fixed

Rate history

8.90%

R 153,123

net future value

Rate

8.9% p.a.

Gross Value

R 153,123

Tax Payable

R 0

Eff. Net Rate

7.0343%

Investec Prime Linked Deposit Notice

Rate history

8.05%

R 148,250

net future value

Rate

8.05% p.a.

Gross Value

R 148,250

Tax Payable

R 0

Eff. Net Rate

6.3442%

⚠ Min. deposit R 100,000 not met

Capitec Bank Flexible Savings Instant

🔓 Best Instant Access

Rate history

7.20%

R 143,554

net future value

Rate

7.2% p.a.

Gross Value

R 143,554

Tax Payable

R 0

Eff. Net Rate

5.6618%

Capitec Bank Tax-Free Savings Tfsa

💚 Best TFSA

Rate history

7.20%

R 143,554

net future value

Rate

7.2% p.a.

Gross Value

R 143,554

Tax Payable

R 0 (TFSA)

Eff. Net Rate

5.6618%

African Bank MyWorld Tax-Free Savings Tfsa

Rate history

7.20%

R 143,554

net future value

Rate

7.2% p.a.

Gross Value

R 143,554

Tax Payable

R 0 (TFSA)

Eff. Net Rate

5.6618%

Standard Bank Notice Deposit (32-day) Notice

Rate history

7.10%

R 143,013

net future value

Rate

7.1% p.a.

Gross Value

R 143,013

Tax Payable

R 0

Eff. Net Rate

5.582%

Nedbank Tax-Free Fixed Deposit Tfsa

Rate history

6.90%

R 141,938

net future value

Rate

6.9% p.a.

Gross Value

R 141,938

Tax Payable

R 0 (TFSA)

Eff. Net Rate

5.4227%

First National Bank Tax-Free Cash Deposit Tfsa

Rate history

6.60%

R 140,342

net future value

Rate

6.6% p.a.

Gross Value

R 140,342

Tax Payable

R 0 (TFSA)

Eff. Net Rate

5.1846%

Absa Tax-Free Savings Account Tfsa

Rate history

6.50%

R 139,815

net future value

Rate

6.5% p.a.

Gross Value

R 139,815

Tax Payable

R 0 (TFSA)

Eff. Net Rate

5.1055%

Standard Bank PureSave Instant

Rate history

5.60%

R 135,171

net future value

Rate

5.6% p.a.

Gross Value

R 135,171

Tax Payable

R 0

Eff. Net Rate

4.3978%

Absa TruSave Instant

Rate history

5.50%

R 134,666

net future value

Rate

5.5% p.a.

Gross Value

R 134,666

Tax Payable

R 0

Eff. Net Rate

4.3197%

First National Bank Easy Savings Instant

Rate history

5.30%

R 133,663

net future value

Rate

5.3% p.a.

Gross Value

R 133,663

Tax Payable

R 0

Eff. Net Rate

4.1638%

Nedbank JustSave Instant

Rate history

5.10%

R 132,668

net future value

Rate

5.1% p.a.

Gross Value

R 132,668

Tax Payable

R 0

Eff. Net Rate

4.0083%

💡

Based on your calculation

Your comparison shows meaningful differences between products. Choosing correctly for your tax situation and access needs can make a significant difference over your investment term.

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