Budget

Budgeting and money planning tools

Plan your month, pay off debt, build savings and see what you are worth. Simple tools built for South African households, with no sign-up.

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Monthly budget plannerList your income and spending, see what is left, and download or print the result.Tax refund calculatorEstimate your SARS tax refund, or the tax you still owe, from your income and the PAYE already paid.Salary breakdown calculatorWhat a monthly salary means: yearly, weekly, daily and hourly pay, and what is left after tax.Can I afford it?What a purchase on instalments does to your month.Debt payoff plannerSnowball or avalanche: the order, the time and the interest saved.Emergency fund calculatorHow much to keep aside, and how long it takes to build.

Pay and tax

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.

Saving and 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.

Budgeting

Monthly budget plannerList your income and spending, see what is left, and download or print the result.

Debt and savings

Debt payoff plannerSnowball or avalanche: the order, the time and the interest saved.Savings goals plannerSeveral goals at once, with progress and the monthly amount for each deadline.Net worth calculatorWhat you own minus what you owe, by category.Emergency fund calculatorHow much to keep aside, and how long it takes to build.Loan fee and true cost checkerTurn fees and repayments into one yearly rate, to see what a loan or advance really costs.Interest rate limit checkerCompare an interest rate with the National Credit Act maximum formula for that type of credit.

Everyday decisions

Can I afford it?What a purchase on instalments does to your month.Financial independence calculatorThe pot that could cover your spending, and how long it takes to build.How long must I work to afford it?Enter your salary and what you want to buy to see the hours and days of work it costs.Gym membership cost comparisonThe true cost of gym memberships over your stay: joining fee, yearly increases and the fee to leave early.Streaming services cost comparisonAdd up your streaming subscriptions by the month and year, with rand prices read from each service.Domestic airline baggage comparisonCarry-on limits, included checked bags and the extra cost of your bags on South African domestic airlines, as each airline publishes them.Prepaid data price comparisonPrepaid data bundle prices and price per GB from each network's own published lists.

Family and life events

School fees and aftercare plannerFees, aftercare and extras for each child across the school years, with yearly increases.Funeral and burial cover gap checkCompare what a funeral could cost with the cover that pays out.Stokvel calculatorRotating payouts and savings pools: who is paid when, fines and interest.Cost of living comparatorCompare your monthly costs now with what you expect after a move, using your own prices.Wedding budget plannerEstimate, track what is paid and see how much to save each month.Funeral cost plannerList funeral costs and track what has been paid.Baby budget plannerPlan the once-off and first-year costs of a new baby.Matric year budget plannerPlan the extra costs of the matric year.Home Affairs fees and documents checklistPassport, Smart ID and birth certificate fees, with the documents Home Affairs lists.SASSA grants 2026/27SASSA grant amounts, means test limits, payment dates and how to apply and appeal, with every figure sourced.Bank branch codes and USSD codesBranch codes and USSD codes as each bank publishes them, with the page we read.

Saving and retirement

Lump sum vs annuity calculatorAn illustration: how long a lump sum lasts if you draw the same income as an annuity pays.

Work and tax

Severance pay calculatorThe statutory minimum severance for operational dismissals, and the tax on a lump sum.Tax-year plannerWhat you can still contribute before the tax year ends, and the tax it could save.SARS late filing penalty and interest calculatorThe fixed monthly SARS penalty for an outstanding return and interest on unpaid tax.Tax refund calculatorEstimate your SARS tax refund, or the tax you still owe, from your income and the PAYE already paid.Salary breakdown calculatorWhat a monthly salary means: yearly, weekly, daily and hourly pay, and what is left after tax.Minimum wage calculatorThe 2026 minimum wage per hour, week and month for your hours, and whether your pay meets it.Public service salary scalesGovernment salary ranges for teachers, nurses, police and salary levels, with pay after tax.Job offer comparison calculatorCompare job offers by pay after tax, bonus, commute and other costs.Bonus tax calculatorThe extra tax a bonus or 13th cheque adds, and what you keep.Tax on interest and dividendsThe interest exemption, the tax on the rest of your interest and the dividends tax.Capital gains tax calculatorCapital gains tax on shares, property or a business, with the annual, home and small business exclusions.Crypto tax calculatorEstimate tax on crypto gains as capital or as income, with what SARS says.

Rates and dates

Tax-year countdownDays to filing deadlines, the end of the tax year, the Budget and the next rate decision.Rates and prices dashboardThe policy rate and its history, the next rate decision and the latest fuel price change.What changed in the BudgetOld and new tax figures side by side, and the tax difference on your income.Interest rate change calculatorWhat a rise or cut in interest rates does to your bond, car or loan instalment.

About BudgetMzansi

BudgetMzansi is for the everyday questions: Where does my salary go? How long will it take to clear my credit card? Am I saving enough? Each tool gives you a clear answer and shows how it was worked out.

Your numbers stay with you

These tools run in your browser. Nothing you type is saved, stored in your browser or sent to us. The budget, debt and net worth tools do not even put your numbers in the web address. If you want to keep a plan, download it to your own device and load it again later.

How the tools work

Every tool explains its method and assumptions in plain language, and the maths is tested against hand-worked examples. Amounts should be take-home pay, after tax, unless a tool says otherwise. The tax and savings calculators use official SARS figures, with the date they were last checked.

These are estimates for information only. They are not financial advice.

Where to start

If you are not sure which tool you need, start with the question you are asking.

Where does my money go? Begin with the monthly budget planner, then see what you own and owe with the net worth calculator.
I have debt. The debt payoff planner compares ways of clearing several debts, and the loan fee and true cost checker adds up what a loan really costs.
I am saving. The emergency fund calculator, the savings goals planner and the stokvel calculator cover the common cases.
A big event is coming. Planners for a wedding, a baby, a funeral and the matric year turn a long list into a monthly amount.
The rules changed. What changed in the Budget and the tax year countdown keep you up to date.

Where the figures come from

Tax tables, rebates, interest rate limits and fuel price changes are kept in one place on this site, with the official source, the date they take effect and the date we last checked them. When a rule changes, we update that one place and every tool follows. If we cannot confirm a figure from an official source, the tool asks you to type it in instead of guessing.

What these tools cannot do

They give arithmetic and clearly labelled estimates. They do not know your whole situation, your tax affairs or the exact terms of your contracts. For a decision with real consequences, check the figures with your lender, your employer's payroll or a licensed adviser.