Updated for the 2026/27 tax year

Free money calculators for South Africans

Work out your take-home pay, bond, savings and more with the latest Budget 2026 figures. There's no sign-up, and nothing you type leaves your device.

  • No sign-up
  • Nothing you type is stored
  • Official SARS & SARB figures

Tax & salary

Take-home pay calculatorYour salary after PAYE, UIF and retirement contributions.Retirement annuity tax calculatorHow much tax an RA saves you, and what it really costs.

Property

Bond repayment calculatorMonthly repayments, total interest and the effect of paying extra.Bond affordability calculatorRoughly how much house your income could buy.Transfer duty calculatorTransfer duty on a property purchase, bracket by bracket.

Saving & investing

Tax-free savings calculatorGrow a TFSA and stay inside the annual and lifetime limits.Compound interest calculatorSee how savings grow with interest on interest.Savings goal calculatorHow much to save each month to reach a goal, or how long it takes.

Everyday

Car finance calculatorMonthly instalments with deposit, trade-in and balloon payment.VAT calculatorAdd VAT to a price or take it out.

About these calculators

Each calculator uses the official figures for the 2026/27 tax year (1 March 2026 – 28 February 2027): SARS tax tables, rebates and limits, and the prime lending rate set by the South African Reserve Bank. The figures were last checked on 9 November 2026, and the MoneyMzansi team updates them after every Budget Speech and every Reserve Bank rate decision.

Every sum runs in your browser, so nothing you type is sent anywhere or saved. Each calculator comes with a plain-English guide that explains how the numbers are worked out. The results are estimates to help you plan, not financial advice.