Updated for the 2026/27 tax year
Every rand, worked out.
Free calculators for South African tax, home loans, savings and everyday costs. Every figure is checked against SARS and the banks’ own rules, and each result shows how the sum was done.
17 free calculators
2026/27Salary after taxYour take-home pay after PAYE and UIF.2026/27Tax refund estimatorEstimate what SARS owes you, or what you owe.2026/27Provisional taxWork out your IRP6 payments as a freelancer.VAT calculatorAdd 15% VAT to an amount, or take it off.Bond repaymentMonthly repayments and what you can afford.Transfer duty & bond costsThe once-off costs of buying a home.Rent vs buyCompare renting and buying over the years.Loan & car financeRepayments on personal loans and vehicles.Debt payoff plannerSnowball or avalanche: which clears debt sooner.Savings & compound interestWhat to save each month, and how it grows.2026/27Two-pot withdrawalWhat reaches your account after tax.2026/27RA tax savingHow much a retirement annuity cuts your tax.2026/27Tax-free savings trackerStay inside the yearly and lifetime limits.Emergency fundHow big your safety net should be.Fuel cost per tripWhat a drive costs at the current petrol price.Electricity unitsHow many prepaid units your rands buy.Price per unitCompare pack sizes and spot the better buy.
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Why use Know Your Rand
01
Updated every Budget
When the Minister of Finance changes the tax tables in February, every calculator on the site moves to the new figures before 1 March.
02
Shows the working
Each result explains the steps behind it, from the tax bracket used to the rebate taken off, so you can check the sum yourself.
03
Built for South Africa
SARS tables, local bond rules, UIF and the two-pot retirement system, rather than an overseas calculator with the currency changed.