Free South African calculators
Calculate smarter. Make better financial decisions.
Balawise works out tax, salary, property, insurance, labour law, estate and everyday costs for South Africans — using the official figures, with every source and update date shown.
Browse by topic
All 40 calculators →Tax & Salary
PAYE, take-home pay, UIF, VAT and salary increases.
4 calculatorsEmployment & Labour
Severance, notice, leave pay, overtime and CCMA compensation.
6 calculatorsProperty & Real Estate
Bonds, transfer duty, affordability, renting vs buying and rental yield.
9 calculatorsInsurance
Compare quotes and work out how much cover you need.
5 calculatorsPersonal Finance
Savings, compound interest, loans, credit cards and inflation.
7 calculatorsFamily Law
Child maintenance, divorce accrual and divorce costs.
3 calculatorsWills & Estates
Estate duty, executor fees and who inherits without a will.
3 calculatorsLegal & Debt
Prescription, legal interest, small claims and conveyancing.
4 calculatorsElectricity & Fuel
Prepaid electricity units and petrol cost per trip.
2 calculatorsPopular calculators
SARS Income Tax Calculator
PAYE, take-home pay, effective tax rate and medical tax credits for the 2027 tax year.
Transfer Duty Calculator
Transfer duty payable to SARS on a property purchase, with an estimate of total buying costs.
Bond Repayment Calculator
Monthly home loan repayment, total interest, extra payments and an affordability check.
UIF Calculator
Employee and employer UIF contributions, plus an estimate of UIF unemployment benefits.
Prepaid Electricity Calculator
How many kWh units your money buys — or what a number of units will cost.
Petrol Cost Calculator
Fuel cost of a trip at this month’s official petrol and diesel prices, split between passengers.
Property Affordability Calculator
How much house you can afford on your income, debts and deposit.
Car Insurance Comparison
Compare car insurance quotes side by side — premiums, excess and cover.
Compound Interest Calculator
Grow a lump sum and regular contributions over time.
Featured tools
Bond Repayment Calculator
Monthly home loan repayment, total interest, extra payments and an affordability check.
Severance Pay Calculator
Minimum retrenchment severance pay under the BCEA.
Estate Duty Calculator
Estate duty payable on a deceased estate after the R3.5 million abatement.
Car Insurance Comparison
Compare car insurance quotes side by side — premiums, excess and cover.
Guides
All guides →What happens to your estate when you die
How a deceased estate is wound up in South Africa — the executor, estate duty, executor fees, capital gains tax and who inherits when there is no will.
How PAYE is calculated in South Africa (2027 tax year)
A plain-language walk-through of how your employer works out the tax on your payslip — brackets, rebates, medical credits, retirement deductions and bonuses.
The true cost of buying a home in South Africa
Beyond the price tag — deposit, transfer duty, conveyancing and bond registration costs, monthly repayments and the running costs of owning a home.
Has your debt prescribed? Prescription explained
When old debts prescribe in South Africa, what interrupts prescription, and what debt collectors may and may not do.
Why Balawise?
Every number on Balawise comes from a named source — SARS, National Treasury, the Reserve Bank, the Department of Employment and Labour, Statistics South Africa, Eskom, your municipality or the legislation itself — and shows the date it applies from. Where we have not verified a figure, we say so rather than guess. Calculators run in your browser: we do not need your name or an account.