Where is your money going each month?
Budgeting Calculator
Build a comprehensive monthly budget, make saving a planned expense and see what remains after every commitment.
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Start with the money decision in front of you.
Search the complete HowToMoney toolkit or browse by topic. Every calculator explains its assumptions, shows how the result is constructed and helps you ask a better next question.
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Explore the complete HowToMoney calculator library.
What could your take-home pay be?
Income Tax Calculator
Estimate PAYE and take-home pay while allowing for retirement-fund contributions and the selected tax year.
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Which debt should your next rand attack?
Debt Freedom Planner
Compare repayment strategies, understand the maths and see how additional payments can change your debt-free date.
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Where should your next R1 000 go?
Next R1 000
Work through a transparent priority ladder for the next amount available in your monthly cash flow.
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What could the same basket cost elsewhere?
Grocery Basket Comparison
Compare a Gauteng household basket across Checkers and Pick n Pay, with selected Woolworths references where available.
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What happens when the same bet is repeated?
The Real Cost of Gambling
Use probability and repeated simulations to see why short-term luck does not remove the house edge.
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What might your investment grow to?
Investment Maturity Calculator
Project a lump sum, recurring contributions and yearly increases after allowing for the long-term impact of costs.
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How much of your salary should you save?
Retirement Savings Calculator
Estimate the percentage of current gross salary to save for a target replacement ratio at retirement.
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How long might your retirement income last?
Retirement Income Sustainability Planner
Test a retirement income plan through smooth, early-shock and late-shock investment-return sequences.
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How resilient is your plan across 10 000 futures?
Retirement Monte Carlo Planner
Model thousands of possible investment paths, sequence risk, spending behaviour and household longevity.
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What should your financial safety net cover?
Insurance and Savings Needs Analysis
Bring life, disability, critical-illness and income-protection needs together with savings and retirement goals.
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Which plan structure fits the way you use healthcare?
Medical Scheme Comparison
Compare hospital-focused, savings and comprehensive options using premiums, savings and expected out-of-pocket costs.
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What does the home really cost over time?
Home Loan Repayment Calculator
Calculate repayments, total interest, transfer and bond costs, and the impact of paying more each month.
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Could buying or renting leave you better off?
Buy or Rent Calculator
Compare ownership and renting over time, including upfront cash, escalating costs and the value of invested differences.
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Can your budget carry the whole vehicle cost?
Vehicle Affordability Calculator
Start with the finance instalment, then expand into running costs, household cash flow, balloon risk and stress tests.
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What does every kilometre really cost you?
Vehicle Cost per Kilometre Calculator
Calculate marginal and complete vehicle costs per kilometre and compare a journey with ride-hailing estimates.
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Is the journey part of the holiday?
Fly or Drive Calculator
Compare flying and renting with driving your own vehicle across cost, travel time, group size and road-trip experience.
Open calculatorUse estimates responsibly
A calculator is a model, not a prediction
Small changes in return, inflation, interest rates, tax, fees or timing can materially change an outcome. Review the assumptions and test more than one scenario.
Use realistic inputs
Choose values that reflect your actual position and current information.
Test a range
Compare a cautious, central and optimistic scenario rather than one answer.
Review regularly
Update the estimate when your circumstances or the assumptions change.