Figures checked 10 November 2026 · 2026/27 tax year

Money sums for South Africa, worked out in the open

Take-home pay, bonds, savings and more, using the official SARS and SARB figures. Every result shows the method, the source and the date we last checked it.

  • No account, no cookies
  • Nothing you type is stored or sent
  • Each figure carries its source
Worked exampleTake-home payGross salary a monthR 30 000.00PAYER 4 681.00UIFR 177.12You receiveR 25 141.88Default figures. Open it to use your own.

Explore by section

BudgetMzansiBudgeting, saving, debt and net worth tools for your money month to month.BizMzansiInvoices, quotes, VAT and pricing tools for small businesses and freelancers.CarMzansiWhat a vehicle really costs to own: finance, fuel, running costs and comparisons.StudyMzansiMarks, averages and money tools for South African students.HomeMzansiBonds, buying costs, renting versus buying, electricity and solar.ToolboxMzansiFree online utilities: text, converters, generators, images and PDFs, all in your browser.

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.

Property

Bond repayment calculatorMonthly repayments, total interest and the effect of paying extra.Bond affordability calculatorRoughly how much house your income could buy.Transfer duty calculatorTransfer duty on a property purchase, bracket by bracket.

Saving & investing

Tax-free savings calculatorGrow a TFSA and stay inside the annual and lifetime limits.Compound interest calculatorSee how savings grow with interest on interest.Savings goal calculatorHow much to save each month to reach a goal, or how long it takes.

Everyday

Car finance calculatorMonthly instalments with deposit, trade-in and balloon payment.VAT calculatorAdd VAT to a price or take it out.

A note from the team

MoneyMzansi is a small, independent site. We are not a bank, we do not sell loans or insurance, and no company pays us to put its product in front of you.

You get the answer first. There is no sign-up and no cookies, and the numbers you type stay on your device. Every figure comes from an official source, and on how we check our figures we list what we have confirmed and what we could not.

The site is free to use. If we ever add adverts, they will be labelled and will never sit between your inputs and your result. If a figure looks wrong, tell us and we will check it against the source.

The MoneyMzansi team

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 10 November 2026, and the MoneyMzansi 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.