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.Coming soon

Property

Bond repayment calculatorMonthly repayments, total interest and the effect of paying extra.Coming soon

Bond affordability calculatorRoughly how much house your income could buy.Coming soon

Transfer duty calculatorTransfer duty on a property purchase, bracket by bracket.Coming soon

Saving & investing

Tax-free savings calculatorGrow a TFSA and stay inside the annual and lifetime limits.Coming soon

Compound interest calculatorSee how savings grow with interest on interest.Coming soon

Savings goal calculatorHow much to save each month to reach a goal, or how long it takes.Coming soon

Everyday

Car finance calculatorMonthly instalments with deposit, trade-in and balloon payment.Coming soon

VAT calculatorAdd VAT to a price or take it out.Coming soon

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 MzansiMoney 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.