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94 tools for South Africa, grouped by the job they do. Search by name or goal, or filter by topic.

94 calculators

Business8

Break Even AnalysisFind the break-even point where revenue covers total costs. Enter fixed costs, variable costs and unit price to see how many sales you need to profit.Break-EvenCalculate units or revenue needed to cover all costs and break even. Enter fixed costs, variable costs per unit and selling price to find your break-even point.Cash FlowCalculate net cash flow by totalling inflows and outflows. Track whether your business or household generates a positive or negative cash position each period.Cost Per UnitCalculate the cost per unit of any product by dividing total costs by quantity produced. Use this to set competitive prices and maintain healthy profit margins.Hourly RateCalculate the minimum hourly rate you need to charge as a freelancer to hit your income goal.Invoice TotalsCalculate invoice totals including subtotal, VAT and discounts applied. Quickly work out what to charge clients and produce accurate figures for your invoices.MarkupCalculate the selling price and profit margin from cost and markup percentage. Find the right markup to hit your target profit on any product.Profit MarginCalculate gross, operating and net profit margins from revenue and cost figures. See how efficiently your business converts sales into profit at each level.

Cars & Transport3

Everyday Life9

AgeCalculate your exact age in years, months, days and weeks. Enter your date of birth to find out precisely how old you are today.Bill SplitterSplit any bill fairly among friends, family or colleagues. Enter the total amount and number of people to calculate each person's share, including optional tip.Date DifferenceCalculate the exact difference between two dates in years, months, weeks and days. Find how long until an event or how much time has passed since any past date.Holiday CostCalculate total holiday costs including flights, hotel, and spending money for any number of people.Split BillSplit a restaurant bill equally between any number of people, with or without a tip.Temperature ConverterConvert temperatures between Celsius, Fahrenheit and Kelvin in one click. Accurate temperature conversion for cooking, science, weather and travel planning.Unit ConverterConvert between units of length, weight, volume, speed, area and more. Fast and accurate unit conversion for everyday tasks, cooking, science and engineering.UTC Offset ConverterConvert an hour between manually entered fixed UTC offsets. Shows midnight day changes; does not look up daylight saving or named time zones.Wedding BudgetPlan your wedding budget with a recommended breakdown by venue, catering, photography and more.

Everyday Maths4

Health & Fitness9

BMICalculate your Body Mass Index using height and weight to assess whether you are underweight, healthy, overweight or obese using standard BMI classifications.BMRCalculate your Basal Metabolic Rate to find the calories needed at rest each day. Use BMR to set a calorie target for weight loss, maintenance or muscle gain.Body FatEstimate body fat percentage using waist, hip and neck measurements. Understand your body composition and track progress toward your health and fitness goals.CalorieCalculate your daily calorie needs for maintenance, weight loss, or weight gain.Heart Rate ZoneCalculate personalised heart rate training zones using the Karvonen method. Find your fat burn and aerobic zones.Ideal WeightCalculate your ideal weight range based on height and healthy BMI. Find your target weight.Macros SplitCalculate your daily macronutrient split of protein, carbohydrates and fat based on your calorie goal. Plan your diet to support weight loss or muscle gain.Running PaceCalculate running pace per km and per mile from your distance and time. Convert between pace and speed.Water IntakeCalculate your recommended daily water intake based on weight and activity level.

Household & Energy2

Investing & Savings13

AnnuityCalculate annuity payments, present value and future value for fixed income streams. Estimate how much regular income your pension or investment will generate.Compound InterestCalculate how compound interest grows savings or increases debt over time. Enter principal, rate, compounding frequency and term to project your final balance.Dividend Tax Calculator (South Africa)Calculate South African dividend withholding tax at 20% for resident individuals and non-residents. SA companies are exempt. See your net dividend after DWT.Dividend YieldCalculate the dividend yield of a stock by dividing the annual dividend by the share price. Assess income potential before investing in dividend-paying shares.Future ValueCalculate the future value of an investment or savings plan with compound interest. Enter the principal, rate, compounding frequency and time to project growth.Index FundProject index fund investment growth with lump sum and regular contributions. See long-term compound returns.Investment ReturnCalculate simple investment profit, total return, and annualised return from a starting value, ending value, and holding period.Present ValueCalculate the present value of a future cash flow discounted at a given interest rate. Understand what a future sum or annuity stream is worth in today's money.Retirement Annuity Calculator (South Africa)Calculate your South African Retirement Annuity (RA) tax deduction and projected balance. SARS allows 27.5% of income up to R430,000 per year as a tax deduction.Retirement SavingsCalculate how much you will have at retirement based on your savings and contributions.SavingsCalculate how your savings will grow with regular deposits and compound interest. Enter your balance, monthly contribution and rate to project future savings.Savings GrowthCalculate how your savings grow over time with regular contributions and compound interest. Project your future balance to plan for any savings goal.Two-Pot Retirement Calculator (South Africa)Split a South African retirement contribution one-third savings / two-thirds retirement and estimate tax on a savings-component withdrawal at your marginal rate.

Money & Finance21

APR to APYConvert APR to APY to understand the true annual return when interest compounds. See how compounding frequency affects the effective yield on savings or loans.Cost of UniversityEstimate total university costs including tuition, accommodation, and living expenses.Credit Card PayoffCalculate how long it takes to pay off a credit card and see total interest costs.Currency ConverterConvert amounts between major world currencies using current exchange rates. Find the equivalent in any currency for travel, business or international payments.Debt ConsolidationCalculate potential savings from consolidating high-interest debts into a lower-rate loan.Deposit SavingsCalculate how long it will take to save a house deposit based on your monthly savings and interest rate.DiscountCalculate the final price after a percentage or fixed discount. Enter the original price and discount amount to find out exactly how much you save.Early Repayment SavingsCalculate interest saved by making early or overpayments on your mortgage or loan. See how extra payments reduce your balance and shorten your repayment term.Fixed vs Variable MortgageCompare fixed-rate and variable-rate mortgages side by side. See total interest and monthly repayments under each option to choose the right mortgage type.Home AffordabilityCalculate how much house you can afford based on income, deposit and outgoings. Estimate the maximum mortgage and property price that fits your finances.InflationCalculate how inflation erodes purchasing power over time. Enter an amount and time period to see what today's money was worth in the past or future.Interest-Only MortgageEstimate UK interest-only mortgage payments and total interest. See the unchanged capital due at the end and compare a repayment mortgage.Loan RepaymentEstimate monthly loan repayments and total interest from amount, rate and term. Use your local currency; this is a planning figure, not a credit offer.Mortgage AffordabilityEstimate UK mortgage affordability from household income, monthly expenses, interest rate, and term. Stress-test borrowing before applying.Mortgage AmortizationGenerate a full mortgage amortization schedule showing monthly principal and interest. See how your balance reduces over the entire term of your home loan.MortgageEstimate mortgage repayments, total interest and LTV from loan amount, rate and term. A planning figure — not a lender illustration.Mortgage OverpaymentSee how extra monthly payments or a lump sum cut years and interest off a UK mortgage. Compare overpaying with keeping the cash.OvertimeCalculate overtime pay based on your hourly rate and hours worked beyond your standard week. Find out how much extra you earn for working additional hours.Personal Loan CostLoan Calculator works out the monthly repayment and total interest on a personal loan for South Africa from the amount, APR and term.RefinancingCalculate potential savings from refinancing your mortgage to a lower rate. Compare your current monthly payment and total cost against a new refinancing deal.Simple InterestCalculate simple interest earned or owed on a loan or deposit. Enter the principal, annual interest rate and term in years to find the total interest amount.

Property & Mortgages12

Capital GrowthCalculate the capital growth of a property or investment over a set period. Enter purchase price, annual growth rate and years held to project the future value.Closing CostsClosing Costs Calculator helps you total the cash needed to complete a property purchase for South Africa by combining taxes, legal fees, survey costs, and other deal expenses.Landlord ProfitCalculate monthly and annual landlord profit after mortgage, agent fees, maintenance and insurance.Lease vs BuyCompare the total cost of leasing versus buying a car or asset. Enter lease terms, purchase price and finance rate to find the most cost-effective option.Mortgage vs RentCompare the total cost of buying with a mortgage versus renting long-term. Factor in house price growth, rent increases and investment returns to decide wisely.Property Flipping ProfitCalculate profit and ROI on property flipping projects including renovation costs.Rent IncreaseCalculate the new monthly rent after a percentage increase and see the extra monthly and annual cost.Rent vs BuyCompare the long-term cost of renting versus buying a home. Enter property price, rent, mortgage rate and duration to see which option suits you best.Rental Income Tax Calculator (South Africa)Rental Income Tax Calculator (South Africa) helps you estimate annual rental income and net rental income (after deductions) using Monthly Rental Income, Annual Allowable Expenses — rates, insurance, repairs, and Annual Bond Interest. Use it to compare scenarios before making a final decision.Rental YieldRental Yield Calculator helps you estimate rental yield and monthly rent for South Africa using Annual Rent and Property Value. Use it to compare scenarios before making a final decision.ROICalculate return on investment as a percentage of your initial outlay. Enter net profit and investment cost to measure efficiency of any business decision.Transfer Duty Calculator (South Africa)Calculate South African transfer duty on property purchases. Uses the SARS scale in force since 1 April 2025: 0% up to R1.21m, up to 13% on high-value properties. Includes conveyancing fee estimate.

Tax13

Capital Gains Tax Calculator (South Africa)Capital Gains Tax Calculator (South Africa) helps you estimate capital gain and primary residence exclusion using Proceeds from Sale, Base Cost (original cost + improvements), and Other Taxable Income. Use it to compare scenarios before making a final decision.Hourly to SalaryConvert an hourly wage to an annual salary or annual pay to an hourly rate. Compare earnings across different pay structures to evaluate job offers accurately.Medical Tax Credit Calculator (South Africa)Medical Tax Credit Calculator (South Africa) helps you estimate medical tax credit (section 6a) and additional med credit (section 6b) using Number of Medical Aid Members (including yourself), Monthly Medical Aid Contribution, and Annual Out-of-Pocket Medical Expenses. Use it to compare scenarios before making a final decision.Overtime PayCalculate overtime earnings with any multiplier — time-and-a-half, double time, and more.Provisional Tax Calculator (South Africa)Provisional Tax Calculator (South Africa) helps you estimate estimated annual tax and tax after paye using Estimated Annual Taxable Income, Age Group, and PAYE Already Deducted. Use it to compare scenarios before making a final decision.SA Medical Aid Tax CreditCompare medical-aid contributions with the SARS medical tax credit so you can see the net after-credit cost. Not a full section 6B additional-expenses claim.SA Retirement Fund Withdrawal TaxSA Retirement Fund Withdrawal Tax Calculator helps you estimate tax-free portion and tax on withdrawal for South Africa using Withdrawal Amount and Withdrawal Type. Use it to compare scenarios before making a final decision.South Africa CGT Quick EstimatorQuick South African CGT estimate using the 40% inclusion rate and a taxpayer-type rate. For a band-by-band tax result, use the full capital-gains calculator.South African Income TaxSouth African Income Tax Calculator helps you estimate income tax and uif using Annual Taxable Income, Age Group, and Medical Aid Members (incl. yourself). Use it to compare scenarios before making a final decision.South African PaycheckSouth African Paycheck Calculator helps you estimate take-home per pay period and gross per period using Annual Gross Salary, Pay Frequency, and Age Group. Use it to compare scenarios before making a final decision.Travel Allowance Tax Calculator (South Africa)Estimate South African travel allowance deductions and annual incremental tax using the 2027 vehicle-cost schedule or eligible R4.95/km method, with age-based personal rebates.UIF Calculator (South Africa)Calculate South African UIF contributions at 1% for employees and 1% for employers, capped at R17,712/month. See your credits earned and estimated benefit entitlement.VAT Calculator (South Africa)Calculate South African VAT at 15%. Add VAT to an ex-VAT price, remove VAT from an inclusive price, or find the VAT component. Zero-rated and exempt supplies included.

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