Free money calculators for South Africans
Quick answers on tax, property, cars and saving, in rands. No sign-up, and your numbers stay on your device.
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Take-Home Pay & SARS Tax POPULAR
Salary after PAYE, UIF, pension and medical aid credits, plus your bonus after tax.
VAT Calculator (15%) POPULAR
Add or remove VAT from any amount in one step.
Retirement Annuity Tax Saving
How much tax an RA saves you and what it really costs each month.
Salary to Hourly Rate
Monthly salary ↔ hourly rate, with overtime.
Bond Repayment & Affordability POPULAR
Monthly repayment at prime, extra-payment savings, and how much house you can afford.
Transfer Duty
What you'll pay SARS when you buy property.
Car Finance with Balloon
Monthly instalment and the true cost of a balloon payment.
Petrol / Trip Cost
Fuel cost for a road trip or commute, split between passengers.
Tax-Free Savings (TFSA)
Project tax-free growth within the R46 000 / R500 000 limits.
Compound Interest
Growth with monthly contributions, yearly increases and inflation.
Savings Goal
How much to save each month to hit your target.
Why RandMath?
Most online calculators are built for the US or UK. RandMath uses South African rules: SARS tax tables, 15% VAT, the prime rate, transfer duty, TFSA limits and balloon payments. Every calculator shows how the answer is worked out, and you can share your results on WhatsApp or save them as a PDF.
📱 Tip: add RandMath to your home screen (in your browser menu, choose "Add to Home screen") and it works like an app, even offline.