Free calculators
Free calculators for South African money decisions
A money score against published South African benchmarks, how two incomes can split rent, whether a purchase fits the month, rent versus buy, whether a car fits, whether to invest or pay off a bond, when you could reach R1 million, 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.
11 calculators
The South African Money Quiz
How do my finances compare with published South African benchmarks?Open calculator
The Fair Split Calculator
How should we split rent between two incomes?Open calculator
Can I actually afford this?
Can I actually afford this purchase?Open calculator
Rent vs buy calculator
Should I rent or buy my home?Open calculator
Can I afford this car?
Does the instalment, insurance, and fuel fit my take-home?Open calculator
Should I invest or pay off my bond?
Should I invest or pay off my bond?Open calculator
When will I become a millionaire?
When will I become a millionaire?Open calculator
Interest rate hike impact
What does a rate hike cost me each month?Open calculator
Salary you actually need
What salary do I need after PAYE?Open calculator
Debt payoff calculator
How fast can I pay off my debt?Open calculator
Retirement calculator
Am I saving enough for retirement?Open calculator
Explore related resources
Pair a calculator with a guide, a South Africa comparison, or bank coverage when you are ready to track real money.
- The South African Money Quiz: how does your money compare?A score out of 100 against published savings, debt, and retirement figures. No invented percentile.
- How to split money fairly as a couple50/50 against an income-adjusted rent split, and what each person has left.
- Can I actually afford this?Cash, credit, or finance against the month you already have, scored out of 10.
- Can I afford this car?The instalment is only part of the month. Insurance, fuel, and a 15% rule of thumb.
- Invest or pay off your home loanCompare an after-fee return with your bond rate, then run the rands.
- How long to save R1 millionIllustrative timelines, the slow first R100,000, and March 2026 TFSA limits.
- 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.
Manage Your Money Better Today
Stay on top of your finances and save money with FinWise
Last reviewed
