Do the numbers
Quick estimates in rand, with clear assumptions and no false promises.
Savings goal
Estimate how long it may take to reach a cash savings goal.
Compound interest
See how a starting amount and monthly deposits can compound.
Loan repayment
Estimate a fixed monthly instalment and total finance cost.
Bond repayment
Estimate a South African home-loan repayment, interest and fees.
Home affordability
Turn your available monthly cash flow into a cautious bond estimate.
Income tax
Estimate annual normal tax using the 2027 SARS individual tax table.
PAYE
Estimate monthly employees’ tax for a steady salary.
Net salary
Estimate PAYE, UIF and take-home pay for the 2027 tax year.
Retirement projection
Project a retirement balance in future rand and today’s money.
Inflation
Estimate what today’s cost could become after inflation.
Investment growth
Project contributions after an assumed fee and inflation rate.
TFSA contribution tracker
Check a contribution against current SARS annual and lifetime limits.
Emergency fund
Set a target from essential costs and calculate the remaining gap.
Monthly budget
Plan take-home income across spending, debt and savings.
Debt snowball
Estimate payoff time when the smallest balance is prioritised.
Debt avalanche
Estimate payoff time when the highest interest rate is prioritised.
Vehicle finance
Estimate an instalment including a deposit, balloon and monthly fee.
Rent affordability
Estimate a comfortable rent ceiling using your complete budget.
Transfer duty
Estimate transfer duty using SARS rates effective from 1 April 2026.
Capital gains tax
Estimate the taxable portion of an individual capital gain.
VAT
Add or extract South African VAT at the standard 15% rate.
Simple interest
Calculate non-compounding interest over a chosen period.
Credit-card payoff
Estimate payoff time and interest from a fixed monthly payment.
Medical aid affordability
Test a contribution and out-of-pocket reserve against your budget.