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/* ─── RATE BAR ────────────────────────────────────────────────── */
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/* ─── LAYOUT ──────────────────────────────────────────────────── */
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/* ─── FEATURED GUIDES ─────────────────────────────────────────── */
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/* ─── RATE EXPLAINER ──────────────────────────────────────────── */
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/* ─── WHY CALCUNOMICS ─────────────────────────────────────────── */
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/* ─── TRUST BLOCK ─────────────────────────────────────────────── */
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/* ─── RESPONSIVE ──────────────────────────────────────────────── */
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<body>
<!-- Navigation -->
<nav class="nav" aria-label="Main navigation">
<div class="nav-inner">
<a href="homepage.html" class="nav-logo">Calcu<span>nomics</span></a>
<div class="nav-links">
<a href="calculators-hub.html" class="nav-link">Calculators</a>
<a href="home-loans-hub.html" class="nav-link">Home Loans</a>
<a href="tax-hub.html" class="nav-link">Tax</a>
<a href="retirement-hub.html" class="nav-link">Retirement</a>
<a href="investing-hub.html" class="nav-link">Investing</a>
<a href="expat-hub.html" class="nav-link">Expat</a>
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</div>
</nav>
<!-- Hero -->
<section class="hero" aria-label="Hero">
<div class="hero-inner">
<div class="hero-eyebrow">South Africa's free financial calculators</div>
<h1 class="hero-h1">Simple financial tools for<br><em>every SA money decision</em></h1>
<p class="hero-sub">Free calculators using official 2026 SARS rates — PAYE tax, home loans, VAT, UIF, retirement annuity, TFSA and more. Accurate, instant, no sign-up.</p>
<div class="hero-stats">
<div class="h-stat">
<div class="h-stat-num">11</div>
<div class="h-stat-label">Free calculators</div>
</div>
<div class="hero-divider" aria-hidden="true"></div>
<div class="h-stat">
<div class="h-stat-num">2026</div>
<div class="h-stat-label">SARS rates</div>
</div>
<div class="hero-divider" aria-hidden="true"></div>
<div class="h-stat">
<div class="h-stat-num">0</div>
<div class="h-stat-label">Sign-ups needed</div>
</div>
</div>
</div>
</section>
<!-- Live rates bar -->
<div class="rate-bar" aria-label="Current South African financial rates">
<div class="rate-bar-inner">
<div class="rate-item">Prime rate <strong>10.25%</strong></div>
<div class="rate-sep" aria-hidden="true"></div>
<div class="rate-item">Repo rate <strong>6.75%</strong></div>
<div class="rate-sep" aria-hidden="true"></div>
<div class="rate-item">VAT <strong>15%</strong></div>
<div class="rate-sep" aria-hidden="true"></div>
<div class="rate-item">TFSA limit <strong>R46,000/yr</strong></div>
<div class="rate-sep" aria-hidden="true"></div>
<div class="rate-item">RA cap <strong>R430,000/yr</strong></div>
<div class="rate-sep" aria-hidden="true"></div>
<div class="rate-item">Tax-free threshold <strong>R99,000/yr</strong></div>
</div>
</div>
<main class="page-wrap">
<!-- Top Calculators -->
<section class="section" aria-labelledby="calcs-heading">
<div class="section-header">
<h2 class="section-title" id="calcs-heading">Calculators</h2>
<a href="calculators-hub.html" class="section-link">View all 11 →</a>
</div>
<p class="section-sub">Every calculator uses the current official rate — updated after each SARB MPC meeting and every February Budget Speech.</p>
<div class="calc-grid">
<a href="paye-tax-calculator.html" class="calc-card cc-green">
<div class="calc-icon-wrap">💼</div>
<div class="calc-name">PAYE Tax Calculator</div>
<div class="calc-desc">Exact take-home pay with RA, medical aid, and travel allowance</div>
<div class="calc-footer">
<span class="calc-vol">6,600 searches/mo</span>
<span class="calc-arrow">→</span>
</div>
</a>
<a href="home-loan-calculator.html" class="calc-card cc-blue">
<div class="calc-icon-wrap">🏠</div>
<div class="calc-name">Home Loan Calculator</div>
<div class="calc-desc">Monthly bond repayment from property price and deposit</div>
<div class="calc-footer">
<span class="calc-vol">5,400 searches/mo</span>
<span class="calc-arrow">→</span>
</div>
</a>
<a href="vat-calculator.html" class="calc-card cc-teal">
<div class="calc-icon-wrap">🧾</div>
<div class="calc-name">VAT Calculator</div>
<div class="calc-desc">Add or remove 15% VAT — single amount or bulk invoice</div>
<div class="calc-footer">
<span class="calc-vol">4,400 searches/mo</span>
<span class="calc-arrow">→</span>
</div>
</a>
<a href="car-finance-calculator.html" class="calc-card cc-slate">
<div class="calc-icon-wrap">🚗</div>
<div class="calc-name">Car Finance Calculator</div>
<div class="calc-desc">Monthly instalment with balloon payment modelling and NCA fees</div>
<div class="calc-footer">
<span class="calc-vol">3,600 searches/mo</span>
<span class="calc-arrow">→</span>
</div>
</a>
<a href="bond-repayment-calculator.html" class="calc-card cc-blue">
<div class="calc-icon-wrap">📊</div>
<div class="calc-name">Bond Repayment</div>
<div class="calc-desc">Full amortisation schedule and extra payment savings</div>
<div class="calc-footer">
<span class="calc-vol">3,800 searches/mo</span>
<span class="calc-arrow">→</span>
</div>
</a>
<a href="uif-calculator.html" class="calc-card cc-teal">
<div class="calc-icon-wrap">🛡️</div>
<div class="calc-name">UIF Calculator</div>
<div class="calc-desc">Unemployment benefit using the official IRR formula</div>
<div class="calc-footer">
<span class="calc-vol">2,900 searches/mo</span>
<span class="calc-arrow">→</span>
</div>
</a>
<a href="retirement-annuity-calculator.html" class="calc-card cc-green">
<div class="calc-icon-wrap">📋</div>
<div class="calc-name">Retirement Annuity</div>
<div class="calc-desc">Monthly PAYE saving and 30-year growth projection</div>
<div class="calc-footer">
<span class="calc-vol">1,900 searches/mo</span>
<span class="calc-arrow">→</span>
</div>
</a>
<a href="tfsa-calculator.html" class="calc-card cc-indigo">
<div class="calc-icon-wrap">💰</div>
<div class="calc-name">TFSA Calculator</div>
<div class="calc-desc">Growth projection with R500,000 lifetime limit tracker</div>
<div class="calc-footer">
<span class="calc-vol">1,400 searches/mo</span>
<span class="calc-arrow">→</span>
</div>
</a>
</div>
</section>
<!-- Current Rates -->
<section class="section" aria-labelledby="rates-heading">
<div class="section-header">
<h2 class="section-title" id="rates-heading">Current South African rates — May 2026</h2>
</div>
<div class="rate-cards">
<div class="rate-card">
<div class="rate-card-label">Prime lending rate</div>
<div class="rate-card-value">10.25%</div>
<div class="rate-card-note">Repo 6.75% + 3.5% bank margin. Held at March 2026 MPC.</div>
</div>
<div class="rate-card">
<div class="rate-card-label">SARS tax-free threshold</div>
<div class="rate-card-value">R99,000</div>
<div class="rate-card-note">Under 65. R153,250 for 65–74. R171,300 for 75+.</div>
</div>
<div class="rate-card">
<div class="rate-card-label">RA deduction cap</div>
<div class="rate-card-value">R430,000</div>
<div class="rate-card-note">Increased from R350,000. First change since 2016.</div>
</div>
<div class="rate-card">
<div class="rate-card-label">TFSA annual limit</div>
<div class="rate-card-value">R46,000</div>
<div class="rate-card-note">Up from R36,000 from 1 March 2026. Lifetime R500,000.</div>
</div>
<div class="rate-card">
<div class="rate-card-label">NCA max unsecured rate</div>
<div class="rate-card-value">24.85%</div>
<div class="rate-card-note">(6.75 × 2.2) + 10%. Applies to personal loans and consolidation.</div>
</div>
</div>
<p class="rate-updated">Rates sourced from <a href="https://www.sarb.co.za" target="_blank" rel="nofollow noopener">SARB</a>, <a href="https://www.sars.gov.za" target="_blank" rel="nofollow noopener">SARS</a>, and the <a href="https://www.ncr.org.za" target="_blank" rel="nofollow noopener">NCR</a>. Updated May 2026. Next SARB MPC meeting: 28 May 2026.</p>
</section>
<!-- Category Hubs -->
<section class="section" aria-labelledby="hubs-heading">
<div class="section-header">
<h2 class="section-title" id="hubs-heading">Guides by topic</h2>
</div>
<p class="section-sub">Plain-English guides on every major South African financial decision, backed by the calculators above.</p>
<div class="hub-grid">
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