Free Tools
Honest Financial Calculators for South Africans
No sign-up, no email gate, no ads. Built on the latest SARS 2026/27 rules and regularly reviewed after every Budget Speech.
Available calculators
New · 2026/27
Two-Pot Retirement Withdrawal Calculator
See exactly how much tax and admin fees you'll pay on a Savings Pot withdrawal, and what that money could be worth at retirement if left invested.
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New · 2026/27
SARS Income Tax (PAYE) Calculator
Calculate your monthly and annual PAYE based on the 2026/27 SARS brackets, including age-based rebates and medical tax credits.
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New · 2026/27
TFSA Tax-Free Savings Calculator
Project your TFSA growth inside SARS's R36,000 annual / R500,000 lifetime contribution limits, and compare taxed vs tax-free returns.
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New · 2026/27
Home Loan / Bond Affordability Calculator
Work out the bond and property price you qualify for using the SA 30%-of-gross rule, plus transfer duty, bond costs, and the true monthly cost of ownership.
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New · 2026/27
Debt Payoff: Snowball vs Avalanche
Compare the snowball and avalanche methods side-by-side to see which gets you out of debt fastest — and which keeps you motivated.
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New · 2026/27
Emergency Fund Target Calculator
How many months of expenses do you actually need in your emergency fund? Personalised based on your job stability and dependents.
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Coming soon
2 calculators in the pipelineComing soon
Financial Health Score (Quick Check)
A 60-second self-assessment giving you a 0–100 financial health score with targeted next steps — no bank statement upload required.
Coming soon
Retirement Annuity Tax Savings Calculator
Work out the tax you'd save on RA contributions (up to 27.5% of income, capped at R350,000) and your projected retirement pot.
Want the full picture of your finances?
Upload a bank statement and our Financial Health Report turns your real transactions into a personalised score, breakdown and action plan.
Get Your Financial Health ReportPOPIA-compliant · Statements deleted after 30 days · No subscription