Saving in South Africa comes with tax rules that change the answer: 27.5% of income into an RA is deductible up to R430 000 a year, a TFSA allows R46 000 a year and R500 000 for life, and two-pot changed what you can withdraw before retirement. These calculators put rands on those rules, in today's money where it matters. The estate ones cover estate duty, executor fees and what happens without a will.
All 30 retirement and savings calculators
- Retirement savings calculatorWhat your retirement savings grow to by retirement age, in today's rands, and the monthly living annuity income they pay. South African retirement calculator.
- RA tax back calculatorHow much tax SARS gives back on a retirement annuity contribution - 27.5% limit, R430 000 cap from March 2026.
- Tax-free savings calculatorTax-free savings account (TFSA) calculator: R46 000 a year from March 2026, R500 000 lifetime limit, the 40% SARS penalty and how your pot grows.
- RA or TFSA calculatorRA vs TFSA calculator: retirement annuity with the SARS tax back (27.5%, R430 000 cap from March 2026) against a tax-free savings account (R46 000 a year, R500 000 lifetime) - which leaves you more.
- Compound interest calculatorCompound interest calculator in rands: a lump sum and monthly savings, compounded monthly, yearly or daily.
- Simple interest calculatorSimple interest calculator in rands: I = Pin and A = P(1 + in), the total at the end, and how far compound interest pulls ahead.
- Savings goal calculatorSavings goal calculator in rands: how much to save each month to reach your target by a date, with interest added monthly - and how much of it is interest.
- Stokvel calculatorStokvel calculator for South Africa: each member's pay-out with interest in a savings or grocery stokvel, or the monthly pot and your turn in a rotating stokvel.
- Emergency fund calculatorEmergency fund calculator for South Africa: how much to keep for a rainy day on the 3 to 6 months rule, how much you still need and how many months it takes to save it.
- Life cover calculatorLife cover calculator for South Africa: how much life insurance your family needs - income for the years they need it, your bond and debts, education and estate costs - less the cover you already have.
- Budget 50/30/20 calculatorBudget calculator for South Africa: split your take-home pay into needs, wants and savings on the 50/30/20 rule - in rands a month, a week and a year.
- Wedding budget calculatorWedding budget calculator for South Africa: split your budget into venue and catering, photographer, attire, decor, music and rings, the cost per guest, and what to save each month.
- School fees savings calculatorSchool fees savings calculator for South Africa: future school or university fees at Stats SA's 6.2% education inflation, and the monthly saving needed to pay them.
- School fee exemption calculatorSchool fee exemption calculator: do you qualify for full or partial exemption from public school fees? The E = 100 x (F + A) / C formula and the exemption table from the regulations (Gazette 29392), by number of children.
- Inflation calculatorSouth African inflation calculator: what prices will be in future and what your rands will buy, on the latest Stats SA CPI (4.4%, August 2026).
- Retirement lump sum tax calculatorTax on a pension, provident or RA lump sum at retirement or resignation - SARS 2026/27 tables, R550 000 tax-free at retirement.
- Two-pot withdrawal tax calculatorTwo-pot savings withdrawal tax calculator for 2026/27: the tax SARS takes from a savings pot withdrawal at your marginal rate, the R2 000 minimum, and what lands in your account.
- Living annuity calculatorLiving annuity calculator for South Africa: monthly income at a 2.5% to 17.5% drawdown, the PAYE on it for 2026/27, and how many years the income keeps up with inflation.
- Regulation 28 limits calculatorRegulation 28 calculator: check your retirement annuity, pension or provident fund against the 75% equity, 25% property, 45% offshore, 15% private equity and 10% hedge fund limits, in rands.
- GEPF pension calculatorGEPF pension calculator: your Government Employees Pension Fund gratuity (6.72% of final salary a year of service) and monthly pension (1/55 a year plus R360) at retirement, with the early retirement cut from 55.
- Estate duty calculatorEstate duty and executor fees on a South African deceased estate - 20% above the R3.5 million abatement, 25% above R30 million.
- Executor fee calculatorExecutor fee calculator for South Africa: the legal maximum an executor can charge - 3.5% of the gross assets and 6% of income after death (Administration of Estates Act regulation 8), plus 15% VAT.
- Inheritance without a will calculatorIntestate succession calculator for South Africa: who inherits when there is no will - the spouse's child's share or R250 000, whichever is more, and what each child gets under the Intestate Succession Act.
- Accrual on divorce calculatorAccrual calculator for South Africa: what one spouse owes the other on divorce under the accrual system of the Matrimonial Property Act - each estate's growth, adjusted for CPI, and half the difference.
- Child maintenance calculatorChild maintenance calculator for South Africa: each parent's share of the child's costs, split by income as the Maintenance Act 99 of 1998 s15 apportions it, and what the other parent pays each month.
- Net worth calculatorNet worth calculator in rands: property, savings, investments and retirement funds less your bond, car finance and debt - with your debt-to-asset ratio.
- Fixed deposit calculatorFixed deposit calculator for South Africa: the interest on a lump sum for 1 month to 5 years, compounded monthly, paid at the end or paid out - with the effective annual rate and the R23 800 tax-free interest.
- RSA Retail Savings Bond calculatorRSA Retail Savings Bond calculator: the interest a government Fixed Rate bond pays - 8.25%, 8.50% or 9.00% for 2, 3 or 5 years (October 2026) - paid out every six months or reinvested, from R1 000.
- Investment growth rate calculatorCAGR calculator in rands: the compound annual growth rate of an investment, unit trust, share or property from its value then and now - and the real growth after Stats SA inflation.
- Trust tax calculatorTrust tax calculator for 2026/27: SARS 45% on income and an effective 36% on capital gains kept in a trust, special trusts on the individual tables, and the tax if paid out to a beneficiary.
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