Financial Calculators

Financial planning starts with clarity. That’s why at DWD Financial Planners, we provide easy-to-use financial calculators that help you understand where you stand and where you’re headed. Whether you’re working out your retirement savings, investment growth, or monthly affordability, our calculators give you the numbers you need to make confident decisions.

These tools are designed to simplify complex calculations so you can see the bigger picture of your financial journey. Once you’ve explored your results, our advisors are ready to provide personalized strategies to turn those numbers into action plans that secure your future.

Financial Calculators

Plan your retirement with confidence. Calculate how much you need to save to enjoy the lifestyle you want.

Calculate your South African PAYE tax, UIF contributions, and take-home pay based on your annual or monthly income.

See how your investments can grow over time with compound interest and regular contributions.

Assess your financial health by calculating your debt-to-income ratio and get personalized recommendations.

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50 80
In today's money (we adjust for inflation)
You Need to Save
R 0
per month to reach your goal
Years Until Retirement 0 years
Years in Retirement 20 years
Total Needed at Retirement R 0
Current Savings Will Grow To R 0
Gap to Fill R 0
Current Monthly Contribution R 0
Additional Savings Needed R 0
✅
You're on track!
Note: These are estimates. Consult a financial advisor for personalized advice.
Net (Take-Home) Pay
R 0
per month
Tax Breakdown
Gross Income R 0
Income Tax (PAYE) -R 0
UIF Contribution -R 0
Additional Information
Effective Tax Rate 0%
Tax Threshold R 0
Note: Based on 2025/2026 South African tax tables. UIF capped at R 204.64/month. Results are estimates.
%
Future Value
R 0
after 10 years
Investment Summary
Total Contributions R 0
Interest Earned R 0
Return on Investment 0%
Note: Past performance doesn't guarantee future results. Consider fees, taxes, and market volatility in real investments.
Debt-to-Income Ratio
0%
Monthly Summary
Gross Monthly Income R 0
Total Monthly Debt R 0
Available After Debt R 0
✅
Excellent financial health!
Debt Breakdown
Guidelines: Below 20% = Excellent • 20-35% = Good • 36-42% = Manageable • Above 43% = High Risk. Lenders typically prefer DTI below 43%.

Why Use Our Property Calculators?

Retirement Calculator
✔ Estimate how much you’ll need to retire comfo...
Tax (PAYE) Calculator
✔ Quickly calculate your monthly take-home pay ...
Investment Growth Calculator
✔ See how your money can grow over time through...
Debt-to-Income Calculator
✔ Assess your financial health by understanding...

How It Works?

Retirement Calculator

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1. Enter your current age, desired retirement age, and monthly savings amount.

2. Add your expected rate of return and estimated inflation rate.

3. Click Calculate to see how much you’ll have saved by retirement and whether you’re on track.

Tax (PAYE) Calculator

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1. Enter your gross monthly income and select your tax year.

2. Add deductions such as pension, medical aid, or retirement annuity contributions.

3. Click Calculate to view your estimated PAYE, UIF, and net take-home pay.

Investment Growth Calculator

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1. Enter your initial investment amount and monthly contribution.

2. Add your expected annual growth rate and investment term (years).

3. Click Calculate to see your investment’s future value and total returns.

Debt-to-Income Calculator

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1. Enter your total monthly debt repayments (credit cards, loans, etc.).

2. Add your gross monthly income.

3. Click Calculate to see your debt-to-income ratio and assess financial stability.

Frequently Asked Questions