South Africa's most accurate
financial calculators
Most South Africans make major financial decisions without knowing their real numbers. Calcura changes that — SA-specific calculators for bonds, tax, car finance, retirement, and more. Built on current SARS tables, NCA rules, and the live prime rate. Free. No signup needed.
Guided financial journeys
Not sure where to start? Follow a step-by-step path through your next major decision.
All Calculators
Buy a Home
Bond Calculator
Calculate your monthly bond repayment based on purchase price, deposit, and term.
Home Deposit Planner
Plan how long it will take to save your home deposit, or calculate the monthly saving needed to buy by a target date.
Affordability
Find out how much you can afford to borrow under NCA lending guidelines.
Property Purchase Costs
Estimate transfer duty, attorney fees, deeds office fees and total upfront costs for any SA property purchase.
Bond Optimiser
Stack extra payments, lump sums, rate simulations and access bond strategies. See exactly how much interest you save.
Rent vs Buy
Find your break-even year and see whether buying or renting-and-investing leaves you better off over your chosen time horizon.
True Ownership Cost
See the full monthly cost of owning a home — bond, rates, insurance, maintenance — and how it evolves as your bond pays down.
Home Equity Calculator
See how your equity grows as your bond pays down and your property appreciates — with milestone years for 25%, 50%, and 75% equity.
Home Insurance Estimator
Estimate your building rebuild cost and indicative annual premium. Understand why insured value is based on rebuild cost — not market value.
Buy a Car
Car Finance
Estimate your monthly vehicle repayment including balloon payments and interest.
Vehicle Depreciation
See how much your car will be worth in 1–10 years. SA market rates with mileage adjustment.
Car Maintenance Estimator
AI-powered running cost estimate for your vehicle — service costs, tyres, fuel, and common failure points.
Car Comparison
Compare two or three vehicles side by side on running costs, safety, theft risk, and true ownership cost.
Fuel Type Comparison
Compare total cost of ownership across petrol, diesel, hybrid, and electric — including SA load shedding impact on EV charging.
Financial Health
Budget Planner
Map your income against expenses to find your true disposable income.
Income Tax
Estimate your PAYE, UIF, and net take-home pay for the current tax year.
Debt Consolidation
See whether consolidating your debts reduces your monthly obligations and total interest paid.
Credit Cards
Compare all major SA credit cards on fees, rates, rewards, and travel benefits. Filter by target market.
Plan for Retirement
Protect Your Family
Life Cover Needs
Calculate how much life cover your family needs using Capital Needs Analysis — income replacement, debt clearance, and emergency buffer.
Disability Income
Calculate the monthly disability income cover you need if illness or injury stops you from working. Statistically more likely than death during working years.
Education Funding
Project your child's future education costs and find your monthly savings target. SA education inflation, TFSA strategy, and year-by-year breakdown.
Funeral Cover
Estimate how much funeral cover your family needs — including parents, siblings, and extended family. Monthly premium range included.
Medical Cover Guide
Hospital plan, medical aid, or medical insurance? Understand the differences and find out which suits your life stage and budget.
- SA-specific
- NCA accurate
- Free
- No login required