SARS Income Tax Calculator
Estimate your annual income tax with our free SARS tax calculator. Perfect for provisional tax and tax return planning in South Africa.
- Updated 2026/2027 tax brackets
- Medical aid credits
- Retirement fund deductions
Finance calculators for South Africans
Every tool on this site in one place. Free, private, and built around South African tax brackets, interest rates, and currency pairs. Pick a goal below and get an answer in under a minute.
Every free tool we offer: tax, borrowing, saving, and daily money decisions.
Vehicle Finance Calculator
Calculate monthly car payments, total interest, and affordability. Our vehicle finance calculator helps you budget for your new car in SA.
- Monthly payment estimates
- Balloon payment options
- Total cost of credit
Retirement Savings Calculator
Plan your retirement with our savings calculator. Project your retirement annuity (RA) growth and see if you're on track for your goals.
- Compound growth projection
- Inflation adjustment
- Retirement goal tracking
Personal Loan Calculator
See what your monthly repayments could be for a personal loan. Great for planning large purchases or consolidating debt.
- Interest rate impact
- Loan term analysis
- Total repayment amount
Budget Calculator
Track your income and expenses with our simple budget planner. Take control of your spending and find opportunities to save.
- Categorize expenses
- Visualize spending habits
- Set savings goals
Currency Conversion
Get up-to-date exchange rates. Convert between the South African Rand (ZAR) and major international currencies instantly.
- Real-time rates
- Multiple currencies
- Historical data charts
Which calculator should I use?
Most money questions fall into one of four buckets. Use the filter above to narrow the list, or read the summaries below to find the right tool for the decision you're making today.
Planning to borrow
Before you sign a car finance agreement or a personal loan, run the numbers yourself. The vehicle finance calculator handles balloon payments, deposits, and the true total cost of a car over the full term. The personal loan calculator lets you compare interest rates and loan terms side-by-side so you can spot the offers that are actually worth taking.
Saving for the future
Compound growth is hard to picture without seeing it on paper. The retirement savings calculator projects your retirement annuity forward year by year, with inflation baked in, so you know whether your monthly contribution is actually on track for the lifestyle you want.
Sorting out tax
The SARS income tax calculator uses the current 2026/2027 tax tables to estimate PAYE, provisional tax, medical aid credits, and retirement fund deductions. It is a useful second opinion before you file, or when your salary structure changes mid-year.
Daily money
The everyday tools: the budget calculator applies the 50/30/20 rule to your actual income and expenses, and the currency converter gives you live ZAR rates when you're travelling, shopping online, or paying an invoice in dollars or pounds.
Why trust these calculators?
Every calculation runs entirely in your browser. Nothing you type is sent to our servers, and nothing is stored. Tax tables, interest-rate formulas, and amortisation schedules are reviewed whenever SARS, the SARB, or major lenders update their numbers. The tools are free, with no sign-up, no paywall, and no newsletter nag.