South Africa
South Africa calculators
With the values in force in South Africa, the source of each one and the date we checked it.
Official data, updated automatically
An automated process checks the official sources every day. Rule changes go live after we verify them.
- Last review of the rules
- Latest automatic figure
- Prime lending rate,
- Official sources
- 16 official documents
Pay and work
Pay and extras
- Take-home pay calculator 2026/27Enter your gross monthly salary and see what lands in your account after PAYE and UIF. Add your medical aid members and your pension or retirement annuity contribution for a closer match to your payslip.
- National minimum wage calculator 2026Choose the type of work and your ordinary hours to see the legal minimum an hour, a week and a month. Add what you earn to check that it meets the minimum.
- Overtime calculatorEnter your monthly salary, your ordinary hours and the extra hours you worked. You get your hourly rate and the minimum you must be paid for overtime, Sundays and public holidays.
- Annual leave calculatorEnter your salary and how many days a week you work. You get your leave days for a full year, the value of a day's leave and, if you add the days worked, the leave you have built up.
- Hourly to salary calculatorHow much is your salary per hour? What does an hourly offer come to per year? Enter an amount, pick the period and we show all the others.
- Pay raise calculatorYou have been offered a raise, or you are about to ask for one. Enter your pay and the raise, as a percentage or an amount, and see how much changes each month and year.
- Time card calculatorPick the start and end time for each day, your unpaid break and your hourly pay. We show total hours, overtime and your pay for the week.
Leaving a job
- Notice period calculatorEnter how long you have worked for your employer. You get the minimum notice the law requires and, if you add your salary, the pay instead of notice.
- Severance pay calculatorIf you are dismissed for operational requirements (retrenchment), the law sets a minimum severance pay. Enter your monthly pay and completed years of service to see it.
Taxes
- Income tax calculator 2026/27Enter your taxable income for the year and your age. You get the tax on the SARS brackets, the rebates you qualify for and the tax you actually pay.
- UIF calculatorEnter your gross monthly pay to see the UIF that comes off your payslip and the part your employer adds.
- Cost to company calculatorEnter the gross salary and what the company pays on top, such as pension or medical aid contributions. You get the total monthly and yearly cost to company.
- Turnover tax calculator for micro businessesTurnover tax is a simple tax for micro businesses, worked out on turnover instead of profit. Enter your taxable turnover for the year to see what you pay.
- VAT calculator for South AfricaThe standard rate used here for South Africa is 15%.
Money and indexes
Loans, savings and investing
- Bond calculatorEnter the price, your deposit and the term of the bond. You get the monthly repayment at prime, or at the rate your bank offers you above or below prime.
- Loan calculatorBefore you sign for a loan, two numbers matter: what you pay each month and what the loan costs you in interest.
- APR to APY calculatorTwo offers with the same rate can cost different amounts. The difference is how often interest is charged or paid.
- Rent vs buy calculatorComparing the mortgage payment with the rent is not enough. Buyers pay interest, upkeep and property tax, but they end up owning the home. Renters can keep the deposit invested.
- Compound interest calculatorWith compound interest, the interest is added to your balance and starts earning interest of its own. That is why savings grow faster and faster.
- Simple interest calculatorSimple interest is always worked out on the original principal: interest is not added to the balance during the term.
- Savings goal calculatorA trip, a car, a deposit on a home or a cushion for surprises. A goal with an amount and a date is much easier to hit.
- Retirement savings calculatorA state pension often is not enough to keep your standard of living. Savings of your own, even small ones, make a big difference if you start early.
- Credit card payoff calculatorA credit card is usually the most expensive debt you have. Paying only the minimum stretches it out for years and piles on interest.
- 50/30/20 budget calculatorThe 50/30/20 rule is a simple way to plan your month. Half goes to essentials, 30% to things you enjoy and 20% to savings.
- Emergency fund calculatorAn emergency fund is money set aside for what you can't plan for: losing your job, a health problem or an urgent home repair.
- Car cost calculatorMost people know what they spend on fuel. Few add up insurance, maintenance, parking and, above all, the value the car loses every year.
Business and self-employment
- ROI calculatorA 50% gain sounds great, but it is not the same over 2 years as over 10. To compare investments you need the return per year.
- Profit margin calculatorMargin and markup get mixed up all the time, and the difference can cost you money. Both measure the same profit, but against a different base.
- Break-even calculatorThe break-even point is the level of sales where a business neither makes nor loses money. Below it you lose, above it you start to profit.
- Freelance rate calculatorThe most common freelance mistake is taking the salary you would want as an employee and dividing it by 160 hours. That leaves out taxes, expenses, vacation and every hour you can't bill.
Other calculators
- Sick leave calculatorEnter how many days a week you work and how long you have been with your employer. You get your paid sick days for the cycle and how many you have left.
- Retirement annuity tax calculatorEnter your taxable income and what you put into retirement funds in the year. You see how much is deductible, the tax you save and what the contribution really costs you.
- Retirement lump sum tax calculatorChoose whether you are retiring or withdrawing, and enter the taxable lump sum. You get the tax SARS charges and what you keep.
- Capital gains tax calculator 2026/27Enter your capital gain and your other taxable income. You get the extra tax the gain adds to your bill for the year.
- Transfer duty calculatorEnter the price of the property you are buying. You get the transfer duty and the total with the price.
- Estate duty calculatorEnter the value of the estate, its liabilities and what goes to a surviving spouse or to public benefit organisations. You get the estate duty SARS charges.
- Donations tax calculatorEnter what you donated this tax year and your taxable donations from earlier years. You get the donations tax and how much of the exemption you used.
- Small business corporation tax calculatorA small business corporation (SBC) pays company tax on a sliding scale instead of the normal rate of 27%. Enter the company's taxable income to see the tax and the saving.