Free financial tools · 2026 SARS rates

South African financial calculators & tools

35+ free calculators for tax, PAYE, property, loans and savings — accurate, mobile-friendly, and updated for the 2026/2027 tax year.

✓ 35+ free calculators✓ SARS 2026 tables✓ No sign-up required
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SARS Income Tax Calculator 2026

Calculate your exact SARS income tax, PAYE, UIF, and SDL with the latest 2026/2027 tax tables and rebates

Tax & SARS
VAT Calculator 2026

Calculate 15% VAT on goods and services. Add or remove VAT from prices instantly

Tax & SARS
Capital Gains Tax Calculator

Calculate CGT on property, shares, and investments with R40K annual exclusion

Tax & SARS
Tax Refund Calculator

Estimate your SARS tax refund with deductions, rebates, and medical credits

Tax & SARS
Payroll Calculator

Calculate employee take-home pay with PAYE, UIF, pension, and medical aid deductions

Employment
UIF Calculator

Calculate UIF contributions and unemployment benefits. 1% rate, R17,712 ceiling

Employment
Overtime Calculator

Calculate overtime pay at BCEA rates - 1.5x weekday, 2x Sunday & public holidays

Employment
Leave Calculator

Calculate annual leave, sick leave, family leave entitlements. BCEA compliant

Employment
Pension Calculator

Plan retirement with 27.5% tax deduction. Project pension fund growth

Employment
Property Transfer Calculator

Calculate transfer duty, bond costs, attorney fees, and all property transfer costs

Property
Bond Calculator

Calculate home loan affordability and monthly bond repayments at 11.75% prime rate

Property
Personal Loan Calculator

Calculate personal loan repayments with NCR-compliant fees. Compare bank rates

Banking
Car Finance Calculator

Calculate vehicle finance with balloon payments. Compare new vs used car rates

Banking
Credit Card Calculator

Calculate credit card payoff time and interest. Compare minimum vs fixed payments

Banking
Fixed Deposit Calculator

Calculate fixed deposit returns with compound interest. Compare bank rates

Banking
TFSA Calculator

Calculate Tax-Free Savings Account growth with R36K annual limit and R500K lifetime cap

Investment
Inflation Calculator

Calculate inflation impact on your money. Historical SA CPI rates & purchasing power

Investment
Solar & Loadshedding Calculator

Calculate solar panel ROI, battery backup costs, and loadshedding savings

Utilities
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35 tools
SARS Income Tax Calculator 2026

Calculate your exact SARS income tax, PAYE, UIF, and SDL with the latest 2026/2027 tax tables and rebates

Tax & SARS
VAT Calculator 2026

Calculate 15% VAT on goods and services. Add or remove VAT from prices instantly

Tax & SARS
Capital Gains Tax Calculator

Calculate CGT on property, shares, and investments with R40K annual exclusion

Tax & SARS
Crypto Tax Calculator

Calculate tax on Bitcoin, Ethereum, and cryptocurrency profits in South Africa

Tax & SARS
Freelancer Tax Calculator

Calculate provisional tax payments for freelancers and self-employed South Africans

Tax & SARS
Estate Duty Calculator

Calculate estate duty (death tax) with R3.5M abatement and spouse deductions

Tax & SARS
Tax Refund Calculator

Estimate your SARS tax refund with deductions, rebates, and medical credits

Tax & SARS
Payroll Calculator

Calculate employee take-home pay with PAYE, UIF, pension, and medical aid deductions

Employment
UIF Calculator

Calculate UIF contributions and unemployment benefits. 1% rate, R17,712 ceiling

Employment
Overtime Calculator

Calculate overtime pay at BCEA rates - 1.5x weekday, 2x Sunday & public holidays

Employment
Leave Calculator

Calculate annual leave, sick leave, family leave entitlements. BCEA compliant

Employment
Pension Calculator

Plan retirement with 27.5% tax deduction. Project pension fund growth

Employment
Gratuity Calculator

Calculate severance pay, retrenchment packages. BCEA minimum, tax implications

Employment
Salary Calculator

Calculate net salary from gross income with all SA tax and deductions

Employment
Property Transfer Calculator

Calculate transfer duty, bond costs, attorney fees, and all property transfer costs

Property
Bond Calculator

Calculate home loan affordability and monthly bond repayments at 11.75% prime rate

Property
Rental Yield Calculator

Calculate rental yields, property investment returns, and cash flow for SA real estate

Property
Personal Loan Calculator

Calculate personal loan repayments with NCR-compliant fees. Compare bank rates

Banking
Car Finance Calculator

Calculate vehicle finance with balloon payments. Compare new vs used car rates

Banking
Loan Calculator

General loan calculator for home loans, personal loans, and vehicle finance

Banking
Debt Consolidation Calculator

Calculate debt consolidation savings and monthly payment reductions

Banking
Capitec Calculator

Capitec-specific calculators for personal loans, savings, and credit facilities

Banking
FNB Calculator

FNB-specific calculators for home loans, personal loans, and investments

Banking
Standard Bank Calculator

Standard Bank calculators for mortgages, personal loans, and investments

Banking
Credit Card Calculator

Calculate credit card payoff time and interest. Compare minimum vs fixed payments

Banking
Fixed Deposit Calculator

Calculate fixed deposit returns with compound interest. Compare bank rates

Banking
TFSA Calculator

Calculate Tax-Free Savings Account growth with R36K annual limit and R500K lifetime cap

Investment
Investment Calculator

Calculate compound interest, unit trusts, and JSE stock investment returns

Investment
Retirement Calculator

Plan retirement savings, pension contributions, and retirement annuity

Investment
Inflation Calculator

Calculate inflation impact on your money. Historical SA CPI rates & purchasing power

Investment
Insurance Calculator

Compare life insurance, medical aid, and short-term insurance premiums

Insurance
Insurance Comparison

Compare insurance quotes from top SA insurers - Discovery, Sanlam, Old Mutual

Insurance
Solar & Loadshedding Calculator

Calculate solar panel ROI, battery backup costs, and loadshedding savings

Utilities
Fuel Cost Calculator

Calculate fuel costs and travel expenses with current SA petrol prices

Utilities
Business Registration Calculator

Calculate CIPC registration costs, company setup fees, and Pty Ltd costs

Business