Zambia
Zambia calculators
With the values in force in Zambia, 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
- Bank of Zambia mid-rate, kwacha per US dollar,
- Official sources
- 14 official documents
Pay and work
Pay and extras
- Minimum wage in ZambiaChoose your job and see the minimum basic pay set by the General Order, plus the allowances your employer has to add.
- Overtime calculator ZambiaEnter your basic pay and the extra hours you worked in the month to see what your employer owes you.
- Leave days and leave pay calculatorEnter your monthly pay, the months that count and the days you have taken. You get the days still due and the leave pay for them.
- 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.
Taxes
- PAYE calculator ZambiaEnter your gross pay for the month and see how much PAYE your employer should deduct, band by band.
- VAT calculator ZambiaEnter a price and choose whether to add VAT or work out the VAT already inside it.
- Turnover tax calculator ZambiaTurnover tax is the simple tax for small businesses in Zambia. It is charged on gross sales, not on profit.
Money and indexes
Money and indexes
Loans, savings and investing
- 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.
- Mortgage calculatorA mortgage is the biggest debt most households ever take on. It pays to see the full numbers before you talk to a lender.
- 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 down payment 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
- NHIMA contribution calculatorEnter your basic monthly pay and see what you and your employer pay to the National Health Insurance Scheme.
- Skills Development Levy calculatorThe Skills Development Levy is a charge on the employer's payroll. It is not deducted from employees' pay.
- Gratuity calculator ZambiaEnter your monthly basic pay and the months you worked on the contract to see the gratuity your employer owes you.
- Maternity leave calculator ZambiaEnter your expected date of delivery and how many weeks before it you want to stop work. You get the first and last day of leave and the day you go back.
- Rental income tax calculator ZambiaEnter the rent you receive for a month or a year and see the rental income tax due.
- Property transfer tax calculator ZambiaChoose what is being sold and enter its realised value to see the property transfer tax (PTT) due to ZRA.
- Mobile money levy calculatorEnter the amount you send and see the levy ZRA charges on it. Add how many times a month you send that amount to see the monthly total.
- Presumptive tax calculator for buses and taxisPresumptive tax is a fixed yearly amount per vehicle that replaces income tax for individuals and partnerships running buses, minibuses and taxis.