🇿🇦 The SA Wallet

💸 Tax Estimator (2026)

Income Frequency Gross Income (R) Age Bracket

Paid over 13 months? (Bonus)

Deductions

Deduct UIF? (1% capped)

Provident/Pension Fund (Your Contribution %)

Medical Aid Credits

Do you pay Medical Aid?

Gross Income (Annual): R0

Taxable Income: R0

Annual Tax (PAYE): R0

Deductions (Excl. Tax): R0

Monthly Take Home:

R0.00

Note: Monthly values shown are based on your selected frequency.

✅ Affordability Estimator

Net Monthly Income (Take-Home Pay) How many people do you financially support? Existing Monthly Debt Payments (Total of all loans, cards, etc.) Bond Term (Years) Default Interest Rate (%)

Based on Bank Rules (35% DTI & Living Costs)

Max Monthly Debt Capacity: R0

This is the maximum repayment amount banks generally allow you.

Remaining Monthly Budget: R0

This is the maximum monthly instalment you can spend on *new* debt (Car OR Bond).

Max Bond Affordability (20 Years):

Max Car Price Affordability (5 Years):

You can afford **either** the maximum car **OR** the maximum bond shown, but not both at the same time, as this would exceed your remaining budget.

🚗 Vehicle Finance

Vehicle Price (R) Deposit (Optional) Balloon Payment / Residual (%) Interest Rate (%) Payment Period Extra Monthly Payment (Optional)

Loan Amount: R0

Balloon Amount (Owed at end): R0

Total Interest: R0

R0 /pm

🏠 Bond Repayment

Property Price (R) Deposit (Optional) Interest Rate (%) Term (Years) Extra Monthly Payment (Optional)

Loan Amount: R0

Total Cost over term: R0

R0 /pm

📈 Savings Planner

Starting Amount (R) Monthly Contribution (R) Annual Return (%) Years

Total Contributed: R0

Interest Earned: R0

R0.00

LEGAL DISCLAIMER: This tool is for educational purposes only. Calculations are estimates based on the 2025/2026 SARS Budget Speech.

Medical credits, UIF caps, and tax brackets are subject to change without notice.

The creators of this tool are not registered Financial Services Providers (FSP). We accept no liability for any loss or damage resulting from the use of this tool. Please consult a certified tax practitioner or financial advisor before making any financial decisions.