About SA Calc

SA Calc is a free collection of financial calculators built specifically for South Africans. All calculations run in your browser - no data is sent to a server and no account is required.

Calculators

• Bond Repayment Calculator - monthly repayment, full amortisation schedule, and early settlement analysis
• Transfer Duty Calculator - instant calculation using current SARS brackets, including VAT toggle for new builds
• Bond Affordability Calculator - how much you can borrow based on income and existing debt
• Extra Payment Calculator - how much time and interest you save by paying extra each month
• Access Bond Calculator - compare parking a lump sum in an access bond vs a savings account vs investing
• PAYE Tax Calculator - net take-home pay using current 2026/2027 SARS brackets, medical aid credits, and UIF
• Rent vs Buy Calculator - full year-by-year wealth comparison including all upfront transaction costs
• Rental Yield Calculator - gross and net yield with vacancy, management fees, and benchmark comparisons

Data sources

All rates and tax figures are sourced directly from official sources:

• SARS (South African Revenue Service) - income tax brackets, rebates, medical credits, transfer duty thresholds, UIF ceiling
• SARB (South African Reserve Bank) - repo rate and prime lending rate

We update rates after each SARB Monetary Policy Committee (MPC) meeting, which takes place approximately every two months, and update tax figures after the annual National Budget.

Privacy

SA Calc does not collect any personal information. All calculator inputs stay in your browser and are never transmitted anywhere. We use Google Analytics 4 for anonymised usage statistics only. See our Privacy Policy for full details.

Contact

Questions, corrections, or feedback - email us at hello@sacalc.co.za.