Inputs
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TFSA toggle
R36,000/year limit
Results
Enter values and click Calculate
Inputs
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SA CPI ~5%
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Results
Enter values and click Calculate
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Results
Enter values and click Calculate
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Typically 5–15%
Results
Enter values and click Calculate
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FSCA: 2.5% – 17.5%
Results
Enter values and click Calculate
Inputs
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Counts toward 27.5% capR
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Results
Enter values and click Calculate
Vehicle Loan Inputs
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0 for none
Loan Summary
Enter values and click Calculate
Home Loan Inputs
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Extra paymentsBond Summary
Enter values and click Calculate
Note: SA home loans have additional costs (transfer duty, bond registration, attorney fees). This is a repayment calculator only. Consult a bank for pre-approval.
Household Profile
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Your Result
Enter your details and click Calculate Score
Combines household income (CoL-adjusted by province), housing, mobility, healthcare, savings rate and financial resilience. Based on approximate 2025/26 data — not financial advice, just an honest mirror.
Your Earnings
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Your Rank
Enter your take-home pay and click Calculate Rank
Approximate percentile vs employed SA earners using 2025/26 income distribution anchors (Stats SA QLFS–inspired). Household mode compares combined income to household benchmarks. Not payroll or tax advice.
Tax Year Inputs
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Refund Estimate
Enter values and click Calculate Refund
Based on 2025/26 SARS tables. Simplified — excludes travel allowances, commission, capital gains and provisional tax. Not a substitute for a tax practitioner.
Purchase Details
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Day-One Costs
Enter values and click Calculate Total Cost
Transfer duty per 2025/26 SARS brackets. Conveyancing and bond registration are industry estimates — actual attorney quotes vary.
Your Finances
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Affordability
Enter values and click Calculate Max Bond
Uses ~30% of net income for bond repayment (common bank guideline). Stress test adds +2% to interest rate. Pre-approval depends on credit record and bank policy.
Family & Schooling
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Affordability Score
Enter values and click Calculate Stress Test
Fee tiers are approximate 2025/26 benchmarks (tuition + basics). Excludes boarding, transport, uniforms and extracurriculars.
Employment Exit
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Estimated Lump Sums
Enter values and click Calculate Payout
BCEA minimum severance (1 week per year) for qualifying retrenchments. UIF claims are separate monthly benefits — this tool estimates once-off payouts only.
Property & Usage
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Monthly Holding Cost
Enter values and click Calculate Holding Cost
Metro tariff approximations for 2025/26. Actual bills depend on valuation roll, indigent rebates, block tariffs and sewer/refuse levies.
Your Situation
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Equivalent Salary
Enter income and provinces, then click Compare Provinces
Uses the same province cost-of-living indices as the Middle Class Reality Check (Gauteng = 1.0 baseline). Approximate 2025/26 household spending power — not a relocation quote.