Planning tools
Free Financial Calculators
The most complete set of South African financial planning calculators — free to use. For a written plan tailored to your goals, book a free 20-minute intro call.
Retirement & Investing
Retirement Calculator
Estimate the capital you need and whether you're on track.
Open calculatorInvestment Growth
Project future value of a lump sum plus monthly contributions.
Open calculatorCompound Interest
See the eighth wonder of the world in action.
Open calculatorSavings Goal
Work out the monthly amount needed to reach a goal.
Open calculatorTax-Free Savings (TFSA)
Project TFSA growth within R36k/R500k SARS limits.
Open calculatorInvestment Risk Profile
Assess your risk appetite and asset allocation.
Open calculatorHome & Vehicle
Bond Repayment
Monthly home-loan repayment and total interest.
Open calculatorBond Affordability
Max home price you're likely to qualify for.
Open calculatorBond Extra Payment
Time and interest saved by paying extra each month.
Open calculatorTransfer & Bond Costs
SARS transfer duty and attorney fees on a property.
Open calculatorVehicle Finance
Monthly car repayments with deposit and balloon.
Open calculatorProtection & Planning
Disclaimer
The calculators and tools provided on this website are intended strictly for informational and illustrative purposes only. They are designed to provide general guidance based on simplified assumptions and hypothetical scenarios.
The results generated by these calculators do not constitute financial advice, financial planning, or a recommendation to purchase, sell, or hold any financial product or investment.
These tools do not take into account your individual financial circumstances, objectives, risk profile, tax position, or market conditions. Actual outcomes may differ materially from the projections shown.
Users should not rely solely on these calculators when making financial decisions. You are strongly advised to consult a qualified and licensed financial advisor before taking any financial action.
Luz Financial Services (Pty) Ltd is a licensed Financial Services Provider (FSP No. 55489) under the Financial Advisory and Intermediary Services Act (FAIS), 2002. However, no advisory, fiduciary, or client-advisor relationship is created through the use of these calculators or tools.