Compare scenarios, not just one answer
Change one assumption at a time so you can see what actually moves the result.
Great Future · Money
Make everyday money decisions with clearer numbers
Start with your real numbers, compare a few scenarios and use the result as a planning estimate—not a promise from a lender, employer or financial adviser.
See recommended toolsTop tasks
Choose the path that matches your decision
Understand your pay
Salary and PAYE →Net to gross →UIF →Overtime →Leave payout →Loans and debt
Loan amortisation →Debt payoff →Browse borrowing tools →Saving and growth
Compound interest →Inflation →Browse money Tools →Recommended tools
Start with your own numbers
Free calculators for income, debt, loans and long-term saving.
calculateSouth African salary calculator
Estimate take-home pay with a transparent deduction breakdown.
Open free tool →calculateLoan amortization calculatorSee repayments, interest and the full payment schedule.
Open free tool →calculateCompound interest calculatorModel growth, contributions and different compounding schedules.
Open free tool →calculateDebt payoff calculatorCompare payoff approaches and understand the time and interest involved.
Open free tool →Full catalogue
All money tools
46 live Tools connected to this topic.
- Salary & PAYE
- Net to gross
- Overtime pay
- Leave payout
- UIF calculator
- Compound interest
- Loan amortization
- Debt payoff
- Profit margin
- Currency converter
- South African VAT Calculator
- Tip and Split Bill Calculator
- Discount and Sale Price Calculator
- Inflation Calculator
- Mortgage Payment Calculator
- Mortgage Affordability Calculator
- Rent vs Buy Calculator
- Mortgage Refinance Calculator
- APR and APY Calculator
- Savings Goal Calculator
- Retirement Calculator
- FIRE and Financial Independence Calculator
- Dividend and DRIP Reinvestment Calculator
- Credit Utilisation Calculator
- Debt-to-Income Ratio Calculator
- Student Loan Calculator
- Rental Property ROI, Cash Flow and Cap Rate Calculator
- Personal Budget and Net Worth Planner
- Quadratic Derivative
- PayPal Fee Calculator
- Forex Position Size and Lot Size Calculator
- Pip Value Calculator
- Stock Average Cost Calculator
- Solar Savings, ROI and Payback Calculator
- LTV:CAC and Unit Economics Calculator
- Inventory Reorder Point, Safety Stock and EOQ Calculator
- Forex Profit and Loss Calculator
- Trading Risk-to-Reward Calculator
- Forex Margin and Leverage Calculator
- Options Profit and Loss Calculator
- Crypto Profit and Loss Calculator
- Crypto Staking Rewards Calculator
- Crypto Liquidation Price Calculator
- Impermanent Loss Calculator
- Auto Lease Calculator
- Lease vs Buy Car Calculator
Good practice
Use these tools well
Know when an estimate is enough
Planning calculators help you prepare; regulated or contractual decisions still need an official quote.
Start-here guides
Understand the decision behind the result
Direct answers, worked examples, sources and clear limits.
Reviewed 21 September 2026
How PAYE is calculated in South Africa
Understand annualised taxable remuneration, tax tables, rebates, credits and monthly withholding.
Read guide →Reviewed 21 September 2026Gross salary vs net salary
See what separates an advertised salary from the amount paid into your account.
Read guide →Reviewed 21 September 2026UIF contributions explained
Understand employee and employer UIF contributions and the remuneration ceiling.
Read guide →Reviewed 21 September 2026Overtime pay and tax
Separate an overtime entitlement estimate from its payroll tax treatment.
Read guide →Reviewed 21 September 2026Leave payout and tax
Estimate accrued leave value and understand why the payslip tax can differ.
Read guide →Reviewed 21 September 2026Loan amortisation explained
See how a fixed payment is split between interest and principal over time.
Read guide →Reviewed 21 September 2026APR vs interest rate
Compare the borrowing rate with a broader annualised cost measure.
Read guide →How Great Future works
Methods, sources and privacy are part of the result
Review assumptions and source dates on each Tool. Core inputs stay out of analytics, and estimates identify when an official decision or qualified professional is still needed.
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