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Free Tools & Calculators for South Africans

Free tools and calculators for South Africans: compare bank fees, medical aid, fibre and mobile data, car vs Uber costs, fuel rewards and more. No signup.

Free Tools and Calculators for South Africans, a grid of app icons for car costs, banking, data, fuel, medical aid and fixtures in SA flag colours.
Tools & Calculators | South Africa Facts

Every tool on this page was built to answer a specific question South Africans ask, from whether you will save more with Uber than owning a car, to which DNS resolver is actually fastest on your connection.

πŸ”’ All tools run entirely in your browser, nothing leaves your machine, no signup, no tracking.

Tax & Grants

🧾 Income Tax & PAYE Calculator Tax
What actually lands in your bank account each month, and where does the rest go? This free income tax calculator turns your gross salary into your real take-home pay for the 2026/27 tax year, using the official SARS tables. Put in what you earn, your age, your pension or retirement annuity and how many people are on your medical aid, and it shows your PAYE, your UIF, your effective and marginal rate, and a full breakdown from gross salary to the cash you keep. It handles a bonus the way SARS does, taxed on top at your marginal rate, and it gets the retirement deduction right, including the new R430,000 cap, telling you how much more you could still put in this year and the tax it would save. No sign up.
Open the Income Tax & PAYE Calculator β†’
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Savings Interest Tax Calculator Tax
Most people do not realise the interest on their savings is taxed. This calculator applies the SARS interest exemption (R23,800 under 65, R34,500 from age 65) and your own tax rate to show the real return you keep after tax, the balance you can hold before any tax is due, and how it compounds over time. Pairs with the rate comparison tool above.
Open the Savings Interest Tax Calculator β†’
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βš–οΈ Retrenchment & Severance Pay Calculator Tax
Losing your job, or staring at a retrenchment offer and not sure it adds up? This calculator works out the package the law actually owes you, built line by line the way the Basic Conditions of Employment Act does it. Severance pay of one week for every completed year, your notice pay, the leave you built up but never took, and a pro rata share of any guaranteed bonus, then a rough estimate of the UIF you can claim from the state on top. Put in your salary, how long you have worked there and why your job is ending, and see the minimum you should be paid before you sign anything. It even flags the gentler way a real severance lump sum is taxed, so your take home can be better than it first looks.
Open the Retrenchment Calculator β†’
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πŸͺͺ SASSA Grant Eligibility Checker Tax
Not sure which SASSA grant you can get, or whether you earn too much to qualify? Answer a few simple questions and this free tool tells you which grant fits your situation, whether you are likely to qualify, what it pays, and exactly what to bring when you apply. It covers the Older Person's, Disability, Child Support, Foster Child, Care Dependency and Grant-in-Aid grants, plus the R370 SRD grant. Everything stays on your phone, and it never asks for your ID number.
Open the SASSA Grant Checker β†’
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πŸ›’ Pensioner Discounts & Specials Finder Tax
Which shop has a pensioner special, and on which day? This free finder pulls every benefit you can claim from age 60 into one place, so you can filter by the day you are shopping, the kind of help you want, and your age. It covers the Wednesday double-points days at Clicks, Dis-Chem and Pick n Pay, the cheaper senior bank accounts, the 50% Gautrain discount, the municipal rates rebate, the SARS tax breaks from 65 and the SASSA old-age grant. Most pensioner specials are loyalty rewards rather than money off at the till, so we are honest about it, national programmes are marked as reliable, and the store-by-store discounts at places like Checkers and SPAR are flagged clearly so you know to ask your branch first.
Open the Pensioner Discounts Finder β†’
πŸ“œ Estate Duty & Executor Fee Calculator Tax
What would it actually cost to wind up your estate, and would your family have the cash to pay, or be forced to sell the house? Most estate calculators show only the duty. This one adds up the whole bill in the order SARS applies it: capital gains tax on the assets you are deemed to sell on death, the executor's fee of up to 3.5% plus VAT, the Master's fee, and then estate duty after the R3.5 million abatement. It gets the parts others miss right, because retirement funds and beneficiary-nominated life policies fall outside your estate and pay none of these. Then it does the check that matters most, comparing the cash your estate could raise against the costs due, so you can see a liquidity shortfall coming and arrange cover before it lands on your family. It even projects how the bill grows as your wealth does. No sign up.
Open the Estate Duty & Executor Fee Calculator β†’
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πŸ—“οΈ Provisional Tax Calculator Business
Every provisional tax calculator splits your estimate in half for the August and February IRP6 payments. This one also checks whether the estimate you're about to declare would protect you from SARS's 20% underestimation penalty, either through your "basic amount" safe harbour or the 90%/80%-of-actual test, and shows the exact rand exposure if it wouldn't. Compare paying safe against paying your honest estimate, see the R1 million cliff where the basic amount stops helping, and export the deadlines to your calendar.
Open the Provisional Tax Calculator β†’
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Property & Investing

πŸ–οΈ Retirement Calculator Investing
How much do you actually need to retire in South Africa, and are you on track? Most retirement calculators belong to a bank or insurer, so they use one fixed return, ignore the tax you pay on your pension and quietly leave fees out. This one does not. It works in today's money, takes income tax off so the figure is what you could really spend, and shows you in plain rands what fees are costing your final pot. One tab tells you whether you are on track and, if not, how much more to save each month to close the gap. The other tells you how long your money would last in retirement, and how a guaranteed annuity for life compares with staying invested. No sign up, no salesperson.
Open the Retirement Calculator β†’
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🏠 Rent vs Buy Calculator Investing
Should you buy a home in South Africa, or would renting and investing the difference leave you better off? This free calculator answers it honestly. It puts a buyer and a renter side by side, gives them the same cash on day one, and works out who ends up wealthier after the years you actually plan to stay. It counts everything, the deposit, transfer duty, bond interest, rates, maintenance and the estate agent's commission when you sell. The number it leads with is the break-even year, how long you must stay for buying to beat renting, because the costs of getting in and out are money you never get back. Uses the 2026 transfer duty tables and the current prime rate, and you can change every assumption. No sign up.
Open the Rent vs Buy Calculator β†’
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πŸ”‘ Transfer Duty & Bond Cost Calculator Investing
The price on the listing is never what it costs to buy. This free calculator works out the full cash you need on top of the price, transfer duty to SARS, the conveyancing attorney's fee, the bond registration costs if you are taking a home loan, the Deeds Office fees and the disbursements, all itemised so you can see where every rand goes. Enter the price and your deposit, or switch to a cash purchase to drop the bond costs, and it shows the total, the share of the price, and the cash to have ready before you make an offer. It uses the SARS transfer duty rates from April 2025, the Law Society guideline fee scale plus VAT, and the current Deeds Office fees. No sign up.
Open the Transfer Duty & Bond Cost Calculator β†’
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🏘️ Buy-to-Let Calculator Investing
Thinking of buying a property to rent out in South Africa? This free calculator gives you the honest picture, not the gross yield the agent quotes. It works out your real monthly cash flow after the bond, rates, levies, insurance, maintenance and a managing agent, then shows how much of the bond instalment is buying you equity rather than being spent, so a property that costs you cash each month is not mistaken for a loss. It gives the three yields that matter, gross, net and cash-on-cash, and works out the tax on your rental income, where only the bond interest is deductible, not the capital. It also shows the year your cash flow turns positive as rent rises against a fixed bond, and a rough total return when you sell, capital gains tax included. Uses the SARS 2026 tax figures. No sign up.
Open the Buy-to-Let Calculator β†’
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SA Cash Investment Rate Comparison Investing
Compare interest rates across South Africa’s major banks and institutions, covering call accounts, notice deposits, fixed deposits from 7 days to 60 months, plus money market unit trusts. Enter your investment amount and instantly see who pays the most, how much you’ll earn per year, and which products you qualify for based on minimum deposits. Rates updated monthly from official bank sources.
Open Rate Comparison Tool β†’
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β˜€οΈ Solar Savings & Payback Calculator Investing
Thinking about going solar, or staring at a quote that promises the world? This calculator gives you an honest payback, the optimistic figure an installer tends to quote alongside the realistic one you are actually likely to see, then shows exactly what eats the gap, the daytime power you waste, panel ageing, the battery you will replace one day, and the higher fixed charge some municipalities add once you go solar. Set your own tariff off your bill, your panel and battery size, and how much power you use in daylight, and it works out your payback, a twenty year cash flow, and how much of your own generation you really use. It is built to be honest about the numbers, not to sell you a system.
Open the Solar Savings Calculator β†’
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Costs & Insurance

⚑ Prepaid Electricity Calculator Costs
Why did the same R500 buy fewer units than last time? This free calculator shows exactly how many units (kWh) your rands buy on Eskom prepaid and in Johannesburg, Cape Town, Tshwane, eThekwini and Ekurhuleni, using the official 2026/27 tariffs with VAT included. It knows the things your receipt does not explain, the monthly price blocks that make later purchases more expensive, the R241.50 City Power takes out of Joburg purchases every month, and Cape Town's daily service charge. You get a receipt-style breakdown of where every rand went, what a repeat purchase this month would deliver, and what your typical monthly usage costs. It also tells you about the free basic electricity that millions of registered households never claim. Not on a listed tariff? Type the rate off your own receipt and it still works.
Open the Prepaid Electricity Calculator β†’
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Car vs Uber Costs
The old debate: is it cheaper to own a car or just Uber everywhere? This calculator breaks it down with real South African numbers, covering instalments, insurance, fuel, maintenance, depreciation, parking, the lot. Set your monthly kilometres, fuel price, and financing assumptions, and it will show you exactly where your money goes. If you are sitting on the fence about buying a second car or going car-free, start here.
Open Car vs Uber Calculator β†’
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Vehicle Cost of Ownership Costs
A car costs you far more than the instalment, and the biggest expense is usually the value it quietly loses in your driveway. This calculator adds up the true cost of owning a car in South Africa, depreciation, finance interest, fuel, insurance, servicing and licensing, and turns it into a real rand a month and rand a kilometre. It treats finance the honest way, counting the interest and not the whole instalment, so it never double counts the car, and it warns you when your resale is likely to fall below the balloon you still have to settle. Pick how well your car holds its value, or enter your own expected resale.
Open Vehicle Cost of Ownership Calculator β†’
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Trip Fuel Cost Calculator Costs
Heading off on a road trip and want to know what it will cost before you go? Pick a common South African route or enter your own distance, choose your vehicle or your real consumption, and pick petrol or diesel. It works out the total fuel cost, the litres you will burn, the cost per kilometre, and what it comes to per person when you split it with passengers. Prices are the current AA pump prices, inland or coastal, refreshed every week, so the answer is always up to date.
Open Trip Fuel Cost Calculator β†’
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SA Toll Fees Calculator Costs
Planning a long drive and want the toll bill before you go? Pick a route like Joburg to Durban or Pretoria to Mbombela and it adds up every toll gate along the way, shows what each plaza costs for your vehicle class, whether that is a car, a bakkie, a bus or a truck, and totals it there and back. Switch on fuel to see the full cost of the drive, and where there is a genuine toll free alternative, like the Du Toitskloof Pass instead of the Huguenot Tunnel, it works out honestly whether the detour saves you money once the extra petrol and time are counted. Rates are the official SANRAL and TRAC fees for 2026.
Open SA Toll Fees Calculator β†’
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ZAR Currency Converter & Forex Fee Comparison Costs
Convert rands to any major currency and instantly see what each provider actually charges, with SA banks (FNB, Absa, Standard Bank, Nedbank), Wise, PayPal and forex bureΓ ux side by side. Most banks advertise β€œno transfer fee” but hide a 4 to 6% markup in the exchange rate. This calculator makes that visible so you can pick the cheapest option before sending money overseas or paying for a foreign subscription.
Open Currency Converter β†’
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🐾 Compare Pet Insurance Costs
Vet bills for a sick or injured pet can run into tens of thousands of rands, and the cheapest premium is rarely the best cover. Pick the level of cover you want and what matters for your pet, and this tool compares South Africa’s main insurers (Oneplan, dotsure, MediPet, OUTsurance, Kido and Woolworths) on cover type, annual limits, waiting periods and excess. Because premiums are quoted per pet, it compares the cover that actually decides value, then links you to each insurer for a real quote, with no broker in between.
Open the Pet Insurance Comparison β†’
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🩺 Compare Medical Aid Plans 2026 Health
Rank 61 medical aid plans from 10 SA schemes (Discovery, Bonitas, Momentum, Bestmed, Fedhealth, Medihelp, Medshield, Profmed, Genesis and GEMS) against your actual household profile. Four short steps and you get a best-fit recommendation with three alternatives, full reasoning, real 2026 contribution prices, no broker handoff. Every existing comparator on the market hides the numbers behind a phone-number form. This one does not.
Open the Medical Aid Comparison →
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Banking

Debit Order Dispute Helper Banking
Money came off your account and you did not want it to? The right move is very different for a fraudulent debit you never agreed to, a subscription you want to stop, and a charge that is simply the wrong amount, and getting it wrong can cost you. Answer three quick questions and this tool gives you the exact steps, how to reverse it inside the new 60-day window, how to cancel it the right way instead of just reversing a debt you owe, how DebiCheck is different, and how to escalate to the National Financial Ombud for free if your bank will not help. Updated for the rule change of 13 April 2026.
Open the Debit Order Dispute Helper β†’
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Compare South African Bank Fees Banking
Every bank charges a fixed monthly fee plus a fee for almost everything else, so the cheapest bank genuinely depends on how you bank. Set your monthly habits, the cash you draw and deposit, your debit orders and your payments, and this tool ranks all seven main banks (Capitec, FNB, Absa, Nedbank, Standard Bank, TymeBank and Bank Zero) on what each would actually cost you. The fees come from the official 2026 pricing guides, and the rankings are sense checked against Solidarity’s independent report. Unlike a bank’s own comparison, this one is not trying to sell you anything.
Open the Bank Fee Comparison β†’
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FNB Account Package Finder Banking
Choosing an FNB account used to mean weighing up fees, perks, and eBucks earning potential across half a dozen packages. This wizard simplifies the decision. Answer a few quick questions about how you bank, digital or branch, credit card or not, what you spend on groceries and fuel; it then recommends the package that maximises your eBucks value. Built for current Reward Level 5 earn rates across Aspire, Premier, Private Clients and Private Wealth.
Open FNB Package Finder β†’
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eBucks Fuel Rewards Calculator Banking
FNB eBucks members earn cash back on every litre of fuel at Engen, but the rate depends on your account package, reward level, how you pay, and whether you tick the WesBank and insurance bonus boxes. This calculator maps the full earn structure for Aspire, Premier, Private Clients and Private Wealth, including monthly caps. Plug in your litres and fuel type and see what you actually get back each month. No guesswork.
Open eBucks Fuel Calculator β†’
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SA Cash Investment Rate Comparison Investing
Compare interest rates across South Africa’s major banks and institutions, covering call accounts, notice deposits, fixed deposits from 7 days to 60 months, plus money market unit trusts. Enter your investment amount and instantly see who pays the most, how much you’ll earn per year, and which products you qualify for based on minimum deposits. Rates updated monthly from official bank sources.
Open Rate Comparison Tool β†’
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Savings Interest Tax Calculator Tax
Most people do not realise the interest on their savings is taxed. This calculator applies the SARS interest exemption (R23,800 under 65, R34,500 from age 65) and your own tax rate to show the real return you keep after tax, the balance you can hold before any tax is due, and how it compounds over time. Pairs with the rate comparison tool above.
Open the Savings Interest Tax Calculator β†’
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Connectivity

Network Inspector Network
Find out if you’re behind a NAT or CGNAT, or connecting to the internet with a direct public IP. The tool also shows your public IP address, IP type, and other network details, all fetched directly in your browser without sending any data to our servers.
Open Network Inspector β†’
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DNS Benchmark Network
Ever wondered if your internet could feel faster just by switching DNS providers? This tool tests Cloudflare, Google, Quad9, OpenDNS, AdGuard and more, right from your browser. It queries multiple resolvers in parallel and shows you which one is actually quickest at your location, on your connection, right now. Useful if you are trying to cut a few milliseconds off page loads or just curious whether your ISP’s default DNS is slowing you down.
Open DNS Benchmark β†’
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Internet Quality Test Network
A speed test tells you how many Mbps you get; this test tells you whether your line actually holds up when it gets busy. It measures your latency on a quiet line, then again while deliberately saturating your download and upload, and grades the difference, called bufferbloat, from A+ to F. You also get jitter, approximate speeds, and a plain verdict on what your connection can handle: video calls, online gaming, 4K streaming and cloud backups. Runs free in your browser against Cloudflare's Johannesburg and Cape Town servers, and explains what to do if your grade is poor.
Open the Internet Quality Test β†’
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πŸ“± Compare Mobile Data Prices Tech
Prepaid data pricing is almost impossible to compare in your head, because every network packages data, validity and bonus gigs differently. Tell this tool how much data you use in a month and it instantly ranks the cheapest deal across Vodacom, MTN, Cell C, Telkom and the MVNOs Melon, AirMobile, Capitec Connect, FNB Connect and Nedbank Connect. It ranks on anytime data, shows Telkom's multi month bulk bundles separately with their true monthly cost, flags Melon's unlimited calls, and notes that Capitec Connect data never expires.
Open the Data Comparison →
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πŸ“Ά What Internet Speed Do I Need? Tech
Not sure what speed to actually buy? Most people either overpay for a headline number they never feel, or pick a line that struggles the moment the house gets busy. Tell this tool what your home really does on a busy evening, how many 4K screens, video calls, gamers and browsers run at once, and it works out an honest download and upload speed to aim for, with no upsell. It also tells you whether fibre or 5G and LTE fixed wireless suits you better, then sends you straight to our deal comparisons to find the cheapest plan that fits.
Work Out My Speed →
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πŸ“‘ Compare 5G & LTE Home Internet Deals Tech
If fibre cannot reach your home, 5G and LTE fixed wireless is the next best thing, but the deals are hard to compare because some are sold by speed and some by a monthly data amount, and the router cost is often hidden. Choose unlimited or a set data amount and this tool ranks the cheapest plan across rain, Vodacom, MTN, Telkom, Cool Ideas, Afrihost and Supersonic, showing the network behind each name, the contract, and the router cost.
Open the Comparison →
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🌐 Compare Home Fibre Deals Tech
Fibre is sold in two layers, a network like Vumatel or Openserve owns the line to your home and a provider sells you a package over it, so the same speed costs a different amount on each network and the cheapest provider on one is not the cheapest on another. Pick your fibre network and the speed you want and this tool ranks the cheapest provider across Afrihost, MWEB, Webafrica, RSAWEB, Cool Ideas, RocketNet and Websquad, on the ongoing price you pay after any intro deal. It also includes Telkom Prepaid Fibre on Openserve, a no-contract option with no credit check for anyone who wants to skip the monthly debit order. Not sure of your network? An All networks view shows the cheapest deal on each one side by side.
Open the Fibre Comparison →
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Sport

🚴 Find Your Next Cycling Race Sports

Plan which South African cycling race to enter, from your first 28km to a 1000km Karoo ultra. Filter the calendar by discipline (road, mountain bike, gravel), time of year, province and how big a commitment you want, then match each race to your level. Honest cut-off times and effort notes on every event, the detail other race lists skip.

Find a Race →
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πŸƒ Find Your Next Running Race Sports

Plan which South African running race to enter, from a free weekly parkrun to the 90km Comrades. Filter the calendar by surface (road or trail), distance, province and time of year, then match each race to your level. Every event tells you whether you need a qualifier or a licence and how tight the cut-off is, the detail other race lists skip.

Find a Race →
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πŸ‰ Schoolboy Rugby Calendar Sports

Follow South African schoolboy rugby across the whole year, the Easter festivals like Wildeklawer and Kearsney, the great traditional derbies from Grey College and Affies to the Paarl rivals, and the FNB Youth Weeks topped by Craven Week. Filter by type of event, time of year, province or your own school, and see where to watch each one on SuperSport Schools.

View the Calendar →
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πŸ… Comrades Marathon Pace & Medal Calculator Sports

Work out the average pace you need for any Comrades medal, from Vic Clapham to Wally Hayward, set a goal finish time with a halfway target, or estimate your finish from a recent race result. Built for the 2026 Up Run from Durban to Pietermaritzburg, the 99th Comrades on 14 June 2026.

Open the Calculator →
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πŸ‰ SA Rugby Fixtures 2026 Sports

All upcoming games for the Springboks, Bulls, Stormers, Sharks and Lions, across URC, Champions Cup, Nations Championship, Tests and more. Filter by competition or team.

View Fixtures
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⚽ SA Soccer Fixtures 2026 Sports

All upcoming games for Bafana Bafana, Mamelodi Sundowns, Orlando Pirates, Kaizer Chiefs and more, across the World Cup, PSL, MTN8, Nedbank Cup and AFCON qualifiers. Filter by competition, type or team.

View Fixtures
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🏏 SA Cricket Fixtures 2026 Sports

All upcoming games for the Proteas and CSA franchise teams, covering Tests, ODIs and T20s both international and domestic. Filter by format, type or team.

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πŸ₯… SA Netball Fixtures 2026 Sports

All upcoming games for the SPAR Proteas and the Telkom Netball League franchises, plus the Commonwealth Games and international test series. Filter by competition or team, with calendar export.

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Health

🩺 Compare Medical Aid Plans 2026 Health
Rank 61 medical aid plans from 10 SA schemes (Discovery, Bonitas, Momentum, Bestmed, Fedhealth, Medihelp, Medshield, Profmed, Genesis and GEMS) against your actual household profile. Four short steps and you get a best-fit recommendation with three alternatives, full reasoning, real 2026 contribution prices, no broker handoff. Every existing comparator on the market hides the numbers behind a phone-number form. This one does not.
Open the Medical Aid Comparison →
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🩺 Keto & Low-Carb Doctors in SA Health

A directory of keto and low-carb friendly doctors, dietitians, and certified coaches across South Africa. Organised by province so you can find someone near you. Covers Western Cape, Gauteng, KwaZulu-Natal, and Eastern Cape.

Browse the Directory
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πŸ’‰ Child Immunisation Schedule Calculator Health

Enter your baby's date of birth and get the full South African (EPI-SA) immunisation schedule turned into real calendar dates. See exactly when each clinic visit falls, which vaccines are given that day, and which one is coming up next. Tick off each dose as it is done, and print or save the list for the clinic card. You can also add the upcoming visits to your phone calendar, with an offline reminder set for the morning before each one. Switch on the commonly recommended private extras, such as chickenpox, hepatitis A, flu and the meningococcal vaccines. And if your child has fallen behind, a second toggle checks which doses may be overdue for their age.

Open the Schedule Calculator →
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πŸ“‹ PMB & Chronic Condition Checker Health

Search for your condition, or browse common conditions by body system, and find out whether it is a Prescribed Minimum Benefit or one of the 26 Chronic Disease List conditions, and exactly what your medical scheme must pay for by law. Every scheme has to cover these in full, on every plan, paid from the risk pool and not your savings. There is also a checklist to spot when a scheme is short-changing you, and the steps to complain to the Council for Medical Schemes.

Open the PMB Checker →
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🧾 Medical Tax Credit Calculator Health

Belong to a medical aid? SARS gives you money back, and there are two credits, not one. This tool works out both. The first, the medical scheme fees tax credit, is a fixed amount for every person on your scheme, whatever plan you are on, and it shows straight away. The second, the additional medical expenses credit, is the one most people never claim, for years when contributions ran high or you paid big bills out of your own pocket, and it is far more generous from age 65 or where there is a disability in the family. Pick your tax year, 2026 or 2027, add your details, and it gives you the figures, then warns you honestly when a credit is bigger than the tax you actually owe, since a credit is never paid out as a refund on its own.

Open the Medical Tax Credit Calculator →
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🀰 Pregnancy Due Date & Clinic Visit Planner Health

Work out your due date and see how far along you are, from the first day of your last period, a due date you already have, or a dating scan, then turn it into your actual South African antenatal clinic visits on real dates, using the public sector BANC+ schedule. It lays out all eight contacts, the booking visit and the follow ups at 20, 26, 30, 34, 36, 38 and 40 weeks, with a short plain note on what happens at each, the booking bloods, the repeat tests, the check that baby is head down. Tick each visit off, add them to your phone calendar with a reminder the day before, and print the plan for your clinic card. There is a clear danger-signs list too, the things that mean you should go to the clinic the same day. When baby arrives, the immunisation schedule tool takes over.

Open the Pregnancy Planner →
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πŸ“ Child Growth Percentile Calculator Health

See where your child sits on the growth charts, using the same World Health Organization standards behind South Africa's Road to Health book. Enter your child's sex, date of birth and what you measured, weight, length or height, or head circumference, and it gives you the percentile in plain language, for any age from birth to five years. It shows where they sit between the 3rd and 97th percentile lines, gives the median for their age to compare against, and gently flags when a reading is far enough outside the usual range to be worth showing your clinic. Just as useful, it explains what the number actually means, since a low or high percentile is so often misread, and reminds you that the line your child follows over time matters far more than any single reading.

Open the Growth Percentile Calculator →
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Travel & Motoring

🚦 AARTO Demerit Points Checker Motoring

South Africa is switching to the AARTO demerit points system, where every traffic offence adds points to your licence and enough points get it suspended. This tool lets you build a scenario from common offences, a speeding band, a skipped robot, a missing licence card, and watch a live meter add up the points against the 15-point limit. It tells you whether you are still safe or heading for a suspension, and how many months that suspension would last, because the rule is three months for every point over the limit. It also explains how points are added, how a clean record clears them at one point every three months, and when the system is expected to start. It is an educational guide, not a lookup of your real record, and nothing you enter leaves your browser.

Open the AARTO Demerit Points Checker →
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πŸš— Car Licence Renewal Cost Calculator Motoring

What should your car licence disc renewal actually cost? There is no single national fee, each province sets its own and it rises with how heavy your car is, so the same vehicle costs a different amount to licence from one province to the next. Pick your province, type in your tare weight, the empty weight printed on your disc and RC1, and this free tool gives you the annual fee plus the RTMC transaction fee. Add your expiry date and it also works out what you owe if the disc has already lapsed, with the 21 day grace period, the arrears and the 10 percent per month penalty all laid out, and it can drop a renewal reminder into your calendar so you are never caught late again. The late figure is a close estimate to confirm at the counter, and nothing you enter leaves your browser.

Open the Car Licence Renewal Calculator →
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πŸ“„ Sell a Car Privately Motoring

Selling a car privately gets you a better price than a trade-in, but it hands you all the paperwork a dealer would normally handle. This tool asks about your outstanding finance and your roadworthy status, then builds a personalised checklist covering the settlement letter, the roadworthy certificate, and the Notification of Change of Ownership, the yellow form, with its 21 day deadline. A second tab generates an actual voetstoots sale agreement, fill in both parties' details, the vehicle's VIN and engine number, the price and any known defects, and it produces a printable document with a proper voetstoots clause, including the two limits people usually get wrong. There is also a blunt warning about the fake proof-of-payment scam that catches out private sellers. Nothing you type is sent anywhere, including the ID numbers.

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β›Ί Weekend Camping Near Joburg & Pretoria Travel

Find a campsite close enough for a real weekend in the bush. Tell it whether you are leaving from Joburg or Pretoria and how far you want to drive, then filter by the kind of place you fancy, a Big 5 reserve, a mountain with rock pools, a river for rafting, a dam for watersports, or a hot springs family resort, plus whether you need a power point or somewhere that suits young kids. Every site is one I checked, with honest notes on what it is really like, the drive time from both cities and a link straight to the official booking page.

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πŸ—“οΈ Long Weekend Leave Planner 2026/27 Travel

Want the most time off for the fewest leave days? South Africa has a handful of public holidays that sit just one or two working days from a weekend, and bridging them turns an ordinary weekend into a long break. This planner ranks the smartest leave plays for 2026 and 2027, shows exactly which days to book and how many days off you end up with, and lets you send each plan straight to your calendar. It handles the tricky rules for you, moving Sunday holidays to the Monday and flagging the Saturday ones you simply lose, and it even includes the likely 4 November 2026 election day with an honest reminder to confirm it first. New Optimise my year mode goes further, taking your whole leave allowance for a year and working out the exact dates to book, whether you want one long holiday, as many long weekends as possible, or a balanced mix, and it plans around any blackout dates you cannot take off.

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🧭 Semigration Town Finder Travel

Thinking of moving somewhere better in South Africa without leaving the country? This finder ranks real semigration towns against what actually matters to you, a well run municipality, affordable housing, closeness to a big-city job market, good private healthcare, reliable water and a nearby airport, then shows the evidence behind each one. Governance uses the latest Auditor-General audit outcome for each town's municipality, the distances to the nearest city, airport and private hospital are worked out for you, and for crime it links you straight to the live police station data rather than inventing a score. Set your priorities and it builds your shortlist, with an honest note on the catch for every town.

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πŸš„ Gautrain vs Driving vs Uber to OR Tambo Travel

Flying out of OR Tambo and not sure whether to take the Gautrain, to drive and pay for long stay parking, or to grab an Uber? It is harder to work out than it sounds, because the train charges every passenger a separate fare while driving and parking is one price for the whole car, and an Uber is its own thing again, so the cheaper option flips with how many of you are going and how long you will be away. This calculator does the full sum all three ways, the petrol there and back plus the real ACSA parking tariff, every train fare plus the cost of getting to the station, and an Uber both ways, then tells you which wins, by how much, and the trip length where it would flip. It uses the official Gautrain fares and OR Tambo parking rates, flags the quirk that makes four days of parking cheaper than three, and is honest about the things money does not show, like the train not running late at night.

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Vehicle Cost of Ownership Costs
A car costs you far more than the instalment, and the biggest expense is usually the value it quietly loses in your driveway. This calculator adds up the true cost of owning a car in South Africa, depreciation, finance interest, fuel, insurance, servicing and licensing, and turns it into a real rand a month and rand a kilometre. It treats finance the honest way, counting the interest and not the whole instalment, so it never double counts the car, and it warns you when your resale is likely to fall below the balloon you still have to settle. Pick how well your car holds its value, or enter your own expected resale.
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SA Toll Fees Calculator Costs
Planning a long drive and want the toll bill before you go? Pick a route like Joburg to Durban or Pretoria to Mbombela and it adds up every toll gate along the way, shows what each plaza costs for your vehicle class, whether that is a car, a bakkie, a bus or a truck, and totals it there and back. Switch on fuel to see the full cost of the drive, and where there is a genuine toll free alternative, like the Du Toitskloof Pass instead of the Huguenot Tunnel, it works out honestly whether the detour saves you money once the extra petrol and time are counted. Rates are the official SANRAL and TRAC fees for 2026.
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Trip Fuel Cost Calculator Costs
Heading off on a road trip and want to know what it will cost before you go? Pick a common South African route or enter your own distance, choose your vehicle or your real consumption, and pick petrol or diesel. It works out the total fuel cost, the litres you will burn, the cost per kilometre, and what it comes to per person when you split it with passengers. Prices are the current AA pump prices, inland or coastal, refreshed every week, so the answer is always up to date.
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ZAR Currency Converter & Forex Fee Comparison Costs
Heading overseas or paying in a foreign currency? Convert rands to any major currency and instantly see what each provider actually charges, with SA banks (FNB, Absa, Standard Bank, Nedbank), Wise, PayPal and forex bureΓ ux side by side. Most banks advertise β€œno transfer fee” but hide a 4 to 6% markup in the exchange rate. This calculator makes that visible so you can pick the cheapest option before sending money overseas or buying travel money.
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Farming

πŸ„ Stocking Rate Calculator Farming

How many cattle, sheep or goats can your farm actually carry without wearing the veld down? This calculator starts from the Department of Agriculture's own hectares per Large Stock Unit figures, driven by your veld type, grassveld, bushveld or Karoo, rather than a single national average that is wrong for most of the country. It then lets you adjust honestly for how your veld condition and the season are actually looking, because the official figures assume veld in good condition and a below average rainfall year needs a lower number. Mixed herds of cattle, sheep and goats are converted onto one Large Stock Unit scale, and the result keeps a recommended stocking figure, with a buffer for a dry year, separate from the maximum ceiling you should never cross. It is a planning estimate, not a substitute for your district's legally gazetted grazing capacity figure.

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πŸ’§ Borehole Pump Electricity Cost Calculator Farming

Most borehole tools online only price the drilling and the pump, then stop, leaving out the electricity bill that ends up costing far more over the years. This calculator works out what your pump actually costs to run, in rands per month and rands per 1 000 litres, on Eskom's Ruraflex or Landrate tariffs. Ruraflex charges up to four times more at peak times than off-peak, so the tool shows exactly what you would save by shifting pumping to off-peak hours and whether your tank is big enough to make that switch practical. Also covers cost to irrigate a given area, and a diesel generator comparison for backup power.

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🌱 Fertiliser Calculator Farming

How many bags do you need, and are you actually getting value for money? This calculator works in elemental N, P and K, the South African way, not the oxide form (Pβ‚‚Oβ‚…, Kβ‚‚O) that international calculators use and that quietly leads you to over-apply phosphorus and potassium. Put in your product, area, rate and bag size and it gives you the bags to buy, the total kilograms and the cost, plus what that feeds into the soil. The number that earns its keep is cost per kilogram of nutrient, which is how you tell whether urea or LAN is really the cheaper nitrogen once you look past the bag price. A second tab checks a multi-product plan against your soil test target, met, short or over on each nutrient. It turns a rate you already have into bags and cost, it does not invent a recommendation, that still needs a soil test.

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πŸͺ¨ Lime Calculator Farming

Most lime calculators are built for an American or British buffer pH test that a South African soil lab report never gives you. Here agronomists work in percentage acid saturation instead, and this tool uses the Cedara method, well documented and widely used in KwaZulu-Natal, to turn your soil test figures into a lime requirement, or you can enter a figure you already have and skip the estimate. A 2017 Stellenbosch University study found South Africa's competing lime methods can disagree by two to ten times on the same soil, so an accredited lab's own figure always wins over this calculator's estimate. The part that actually decides which lime to buy is cost per effective tonne, price adjusted for CCE% and delivery, since two limes at the same price rarely deliver the same neutralising value and cartage often costs as much as the lime itself. Also gives a dolomitic versus calcitic recommendation from your soil magnesium.

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🌊 Farm Dam Volume & Water Security Calculator Farming

Length times width times depth, the sum most people reach for, overstates what a real dam holds, because actual farm dams have sloped earth banks, not vertical box walls. This calculator uses the same shape-correction formulas Australian agricultural authorities publish and use themselves, checked here against their own worked examples, across three shape modes, a simple dam, a valley or gully dam, or one you've measured with depth soundings yourself. Volume is only half the story, though. South Africa's open-water evaporation is often severe, sometimes the biggest loss on a dam, so the tool works that out from your dam's real surface area and a regional figure, adds whatever you're drawing for stock, irrigation or the house, and tells you honestly how many days that water actually lasts. Also flags dams large enough to need Department of Water and Sanitation registration.

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🚧 Farm Fencing Calculator Farming

Split one block into a grid of camps and multiply the number of camps by one perimeter, and you'll overorder wire and posts by 25% or more, because the fence between two neighbouring camps is shared, it only gets built once. This calculator works out that real shared length first, whether you're subdividing a block, fencing standalone camps, or already know your total run, then applies South Africa's own fencing standards for post spacing, dropper counts and strand numbers by fence type, cattle, sheep, mixed stock, jackal-proof or a proper game fence by species group. Strainer and corner posts, which cost several times what a standard post does, are split out from the cheaper standards in between, gates are worked in too, and everything lands in a materials and cost breakdown you can check a supplier's quote against.

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β˜€οΈ Solar Savings & Payback Calculator Investing
Thinking about running your borehole pump, or the rest of the farm, on solar? This calculator gives you an honest payback, the optimistic figure an installer tends to quote alongside the realistic one you are actually likely to see, then shows exactly what eats the gap, the daytime power you waste, panel ageing, the battery you will replace one day, and any higher fixed charge once you go solar. Pairs with the solar saving estimate in the Borehole Pump Electricity Calculator above for the full picture, running cost avoided there, full system payback here.
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Business

πŸ’Ό Business Structure & Tax Calculator Business

Sole proprietor, Turnover Tax, or a registered company, which one actually pays you the most? A registered company's tax rate looks appealing next to personal income tax, but profit sitting inside a company is not yet your money, getting it out as a salary or dividend is taxed again. This calculator takes your turnover and expenses for 2026/27 and searches every salary-to-dividend split to find the one that puts the most real cash in your pocket, not just the lowest company tax bill, alongside the CIPC registration fee and when VAT becomes compulsory.

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πŸ§‘β€πŸ’Ό Employee Cost Calculator Business

A job advert says R15,000 a month, so that's what hiring them costs, right? Not quite. This calculator adds employer UIF, the Skills Development Levy, a Compensation Fund (COIDA) assessment for your industry, plus whatever pension, medical aid or 13th cheque you choose to offer, on top of a basic salary for 2026/27. Then it applies the Employment Tax Incentive, a PAYE saving for hiring someone 18 to 29 that most cost-to-hire calculators leave out entirely, and shows the true cost per productive day once leave and public holidays are accounted for.

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πŸ—“οΈ Provisional Tax Calculator Business

Every provisional tax calculator splits your estimate in half for the August and February IRP6 payments. This one also checks whether the estimate you're about to declare would protect you from SARS's 20% underestimation penalty, either through your "basic amount" safe harbour or the 90%/80%-of-actual test, and shows the exact rand exposure if it wouldn't. Compare paying safe against paying your honest estimate, see the R1 million cliff where the basic amount stops helping, and export the deadlines to your calendar.

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πŸ—“οΈ Small Business Compliance Calendar Business

Most compliance calendars show every CIPC, SARS and UIF deadline to everyone. This one asks whether you're a sole proprietor, a trust or a company, VAT registered, have employees, and builds a personalised list of only the deadlines that apply, each computed from the actual rule (including South Africa's public holidays), not copied from last year's article. Covers CIPC's Annual Return and Beneficial Ownership Declaration, ITR14 or ITR12T, provisional tax, VAT, EMP201/EMP501, COIDA and B-BBEE affidavit renewal, export any deadline, or the whole list, straight to your calendar.

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