Free calculators
Free calculators for South African money decisions
Rent versus buy, rate hike impact, the salary you need after PAYE, debt payoff in rands, and retirement savings. Run the numbers yourself, then track the plan in FinWise if you want.
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Rent vs buy calculator
FinWise rent vs buy calculator for South Africa: find the monthly rent where renting and buying cost about the same, including transfer duty, bond costs, and deposit opportunity cost.
Debt
Interest rate hike impact
FinWise interest rate hike calculator for South Africa: see how much a bond, car finance, or other variable-rate instalment rises when prime moves, with defaults for the Sep 2026 0.25% hike.
Income
Salary you actually need
FinWise salary needed calculator for South Africa: turn a monthly lifestyle in rands into the gross salary you need after SARS PAYE and UIF.
Debt
Debt payoff calculator
FinWise debt payoff calculator for South Africa: compare avalanche and snowball plans in rands, see the payoff date, total interest, and what an extra payment changes.
Retirement
Retirement calculator
FinWise retirement calculator for South Africa: model contributions, returns, and withdrawals in rands to see whether your savings path funds the retirement budget you want.
Explore related resources
Pair a calculator with a guide, a South Africa comparison, or bank coverage when you are ready to track real money.
- FinWise blogPlain-language notes on debt, budgeting, and product updates.
- SA interest rate hike guideWhat the 0.25% repo and prime move means for bonds and budgets.
- Debt restructuring guideWhat restructuring solves and how to approach it calmly.
- Best budgeting apps in SACompare FinWise, Vault22, YNAB, and other options.
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