Calculators

Interactive planning tools

Useful tools encourage repeat visits, longer session time and more meaningful enquiries.

Budget calculator

See whether the household budget is carrying you forward or holding you back

Enter monthly income and the main expense lines to calculate your surplus, savings ratio and pressure points.

Monthly incomeHousing / rent or bondTransportFoodDebt repaymentsHealthcareEducation / family supportSavings & investmentsOther expenses

Budget results will appear here

Tip: a negative result suggests that either spending or debt pressure needs attention.

Retirement calculator

Estimate future capital and a simple retirement-income view

The calculator uses a simplified future-value model. It is useful for engagement and direction, but not a substitute for formal advice.

Current ageRetirement ageCurrent retirement savingsMonthly contributionExpected annual return %Expected inflation %

Retirement results will appear here

The estimate includes a simple inflation-adjusted monthly income indicator using a 4% annual drawdown assumption.

South African individual tax calculator

Estimate personal income tax for the 2026/27 year of assessment

This tool estimates normal tax for individuals and special trusts using the 2026/27 SARS tax brackets, rebates and medical scheme fees tax credits. It is designed for quick education and planning conversations.

Annual taxable income before retirement deductionAge bandAnnual retirement fund contributionMedical scheme members / beneficiariesPAYE already deducted for the yearOther annual tax credits

Tax estimate will appear here

The retirement deduction is capped at 27.5% of taxable income or R430 000, whichever is lower, for this simplified estimate.

Tax calculations can be affected by allowances, fringe benefits, assessed losses, capital gains, retirement lump sums, travel claims, disability-related medical credits and other items. This tool is an estimate and does not replace SARS eFiling, payroll advice or tax-practitioner review.

Savings goal calculator

Work backwards from a target

Use this tool to estimate the monthly contribution required to reach a savings goal within a chosen period.

Target amountYears to saveAnnual return %

Savings-goal result will appear here

Goal-based planning helps convert broad aspirations into measurable steps.

These calculators are for educational use only. Any personalised recommendation should be based on a complete review of needs, risk profile, affordability, tax position and product terms.

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