Home › Tools

Tools & Calculators

All tools are educational estimators that run locally in your browser. No external data is fetched.

Reminder: We are not affiliated with the South African Reserve Bank, SARS, or any bank. Figures may differ from official calculators.

Bond Repayment

Monthly payment + amortisation snapshot.

Rate-Change Impact

Compare repayments at two rates.

Budget Buffer

Monthly buffer + target fund.

VAT

Inclusive ↔ exclusive conversions.

Savings Growth

Project saving + compounding.

Inflation Impact

Future value & purchasing power.

Manual FX Converter

Convert using your own rate.

Articles

Practical explainers + checklists.

Bond Repayment Calculator

Estimate a monthly repayment using a standard amortisation formula.

Related reading 
Enter values and click Calculate.
How it works: fixed-rate amortisation (monthly compounding).
Limitations: excludes fees, insurance, and rate changes; some lenders compound differently.

Rate-Change Impact Tool

Compare estimated monthly repayments at two interest rates for the same loan amount and term.

Related reading 
Enter values and click Compare.
Use case: stress-test affordability (+1%, +2%, +3%).
Limitations: excludes bank fees/insurance and assumes a standard amortisation model.

Budget Buffer Calculator

Estimate a monthly buffer amount and a target buffer fund over a set number of months.

Related reading 
Enter values and click Calculate.
Rule of thumb: 5–10% starter buffer; 10–15% if costs fluctuate.
Limitations: not a substitute for tailored advice; consider your real obligations and risk.

VAT Calculator

Convert between VAT-exclusive and VAT-inclusive amounts.

Related reading 
Enter values and click Calculate.
How it works: basic VAT arithmetic (no category rules).
Limitations: VAT treatment depends on context; confirm with official guidance or an accountant.

Savings Growth Calculator

Project how savings might grow with a constant rate and consistent contributions.

Enter values and click Calculate.
How it works: compounded growth with simplified contribution timing.
Limitations: real products may pay interest differently and include fees/taxes.

Inflation Impact Calculator

Estimate how inflation changes the “future value” required to buy the same basket of goods.

Related reading 
Enter values and click Calculate.
How it works: compound growth using an average annual inflation rate.
Limitations: CPI is not constant; this is a simplified model.

Manual FX Converter

Convert amounts using an exchange rate you provide (no live feeds).

Related reading 
Enter values and click Convert.
How it works: simple conversion using your entered rate.
Limitations: providers add spreads and fees; use for planning only.