Financial Calculators
Use our interactive calculators to plan your finances. These tools provide estimates only — for personalised advice, speak to one of our advisers.
Bond Repayment Calculator
Calculate your monthly home loan repayment and see how extra payments save you money.
SA Income Tax (2025/2026)
Estimate your annual income tax using the latest SARS brackets and rebates.
Retirement Savings
Project your retirement nest egg and the monthly income it could provide.
Compound Interest
See how your investment grows with the power of compounding.
Emergency Fund
How much should you keep in reserve?
TFSA Tracker
Track your contributions against the annual (R46,000 from 1 March 2026) and lifetime (R500,000) limits.
Education Savings Calculator
Project future education costs with inflation and calculate what you need to save monthly to be prepared.
Debt Payoff Calculator
Enter your debts to see how much extra payments save you. Uses the snowball method (smallest balance first) or avalanche method (highest rate first).
50/30/20 Budget Rule
A simple budgeting framework: 50% for needs, 30% for wants, and 20% for savings and debt repayment. Enter your net monthly income to see the recommended allocations.
Actual monthly spending (optional — enter to compare):
Net Worth Calculator
Your net worth = total assets minus total liabilities. Track this number over time to measure financial progress.
Assets (what you own)
Liabilities (what you owe)
ETF vs Unit Trust Fee Comparison
See how the difference in total expense ratios (TERs) between low-cost ETFs and actively managed unit trusts compounds over time. Based on research showing SA actively managed unit trusts average ~1.6% TER while ETFs typically charge 0.2–0.5%.
Inflation Impact Calculator
See how inflation silently erodes your purchasing power over time, and what today's money will really be worth in the future.
Useful Resources
Helpful links for South African financial planning: