Money calculators

Remaining paycheques

How many paycheques do you have left until you retire? Assumes no employment breaks, and that you retire at age 65.

Lifetime spending ratio

What percentage of all the income you've earned over your life so far have you spent (ignoring investment growth)?

You probably don't remember exactly what you've earned over your life so far. Just a guess is fine!

Lifetime earnings

How much money might you earn over the rest of your working life?

We assume your salary increases 1% a year (above inflation). Edit to match your career expectations.

What investing an extra R___ a month could be worth

If you could save a little extra every month and invest it, how much more would you have at 65?

8% is roughly how much global equities grew per year above inflation over the past 50 years, in rand. The answer is in today's money.

What you could save over your working lifetime

Your salary increases only match inflation, you work until 65, and your savings aren't even invested. Even then:

Invest those savings and the numbers get much, much bigger (see the calculator above).

Rule of 72

How many years will it take your money to double in value if you invest it?

Lump sum growth

How much will a lump sum be worth in a number of years' time, if you invest it?

Assumes monthly compounding. Use the real interest rate.

Investing monthly

How much will your investment be worth if you contribute to it every month?

Assumes monthly compounding.

Investment targets

How much do you need to invest monthly to end up with a specific amount of money?

Use the REAL interest rate, or how much your money will grow above inflation.

TFSA or RA?

If you've got some extra money lying around, should you put it in your tax-free savings account or your retirement annuity?

Why two RA figures? Your TFSA is funded with money you've already paid tax on, and both its growth and its withdrawals are tax-free — so the TFSA figure is what actually lands in your pocket. An RA works the other way round: contributions are pre-tax (this calculator assumes you reinvest every rebate, so the same out-of-pocket R2 000 buys a bigger contribution), but SARS taxes your withdrawals as income in retirement. So the "before retirement tax" RA figure flatters the RA; the "after retirement tax" line puts it on the same footing as the TFSA, and that's what the verdict uses.

We default your retirement tax rate to 20% — most people drop into a lower bracket once they stop earning a salary, so it's usually lower than your rate now. Adjust it to your situation. This is a rough, conservative estimate: in reality part of an RA can be taken as a lump sum (with a tax-free portion) and the rest as an annuity, so real tax is often lower than a flat rate suggests. RAs also typically grow a bit slower than a pure-equity TFSA because of Regulation 28's limits on equities and offshore assets.

Effective annual cost of a loan

Turn a daily or monthly interest rate into an equivalent annual interest rate, so you can compare apples with apples.

How much you'd save if you sold your car

How expensive it will be over the next few years to keep your car vs. sell it?

Income tax estimator

A rough estimate of your annual income tax bill. Tax works on a sliding scale; only each extra chunk of money is taxed at the higher rate.

⚠ Uses the 2026/27 tax-year tables (from 1 March 2026). "After tax" here means after income tax only — before other deductions like UIF, medical aid or retirement contributions.

Retirement contribution tax rebate

Money you put into a retirement fund is subtracted from your taxable income. Here's roughly what SARS will give you back.

Deductions are capped at 27.5% of taxable income, max R350 000 a year. Uses the 2026/27 tax tables (from 1 March 2026). Remember: retirement savings are tax-deferred, not tax-free — you pay income tax when you withdraw after retirement, usually at a lower rate.

The real cost of pulling money out of your retirement fund

Withdrawals are taxed at your marginal rate, but the bigger loss is the opportunity cost.

All in today's money. Tap literally every other kind of savings before you drain your retirement fund.

What your adviser's fees will really cost you

Fees compound just like growth does. A little 1% can eat a shocking chunk of your lifetime wealth.

Enter one percentage. To see what advice alone costs you, enter just your adviser's advice fee. To see the total drag of everything you pay, enter your whole effective annual cost (EAC) — that's the advice fee plus platform and fund-management fees combined. Either way, you're testing a single ongoing annual fee: this calculator doesn't separately model once-off upfront or contribution fees, which on most modern products are small next to the yearly drag shown here.

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