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We hope these free and easy-to-use spreadsheets come in handy next time you’re buying a house, filling in your tax form or deciding between financial products. Just for fun, we’ve added some money personality tests too. You will need MS Excel on your computer to download these tools – they look best in MS Excel 2007, but are fully functional in older versions as well.
Calculate your salary cheque
Employees can use this to calculate their net salary after UIF, pension fund, medical aid contributions and tax.
Return on property
You will use this when you want to determine what kind of return you can expect from a buy-to-let property.
Provisional tax calculator 2009/10
Use this if you are a provisional tax payer and need to complete your IRP6 for SARS.
Calculating the CGT for your IRP6 2009/10
Use this to complete the input fields for capital gains or losses on your tax form if you sold assets during the past tax year.
What did I actually earn
You will use this when you want to calculate what return you got on your investment – ideal for pure savings policies that matured recently or for unit trusts to which you made regular contributions.
The real price of a property
This helps you budget for the transfer and legal costs associated with buying property, as well as your mortgage repayments.
Renting or buying a home
Can’t decide whether you should buy a place or continue to rent? This picture shows you the impact of buying versus renting in the long run.
Killing your bond
This picture shows you how much of a difference it would make if you put extra money in your bond.
Save for a goal
Find out how much you need to save in different kind of unit trusts to reach your financial goal.
On the road to financial freedom
Ever wondered what % of your basic expenses can be covered by your current passive income? Want to know more about passive versus active income? Take stock of your assets, income and basic expenses here.
Your worth in rands and cents
You may need this statement of assets and liabilities when SARS or a bond provider asks you for one. Or maybe your lawyer is drawing up an ante-nuptial contract and needs to know your net worth.
Money match
How alike are you and your partner financially? Wondering whether you are maybe too alike? Take our test.
Money contract between couples
Who is the Child and who is the Parent in your money relationship? Or are you both Adults? Try this quick test.
Money attitude test
Take our test to find out whether your attitude might be standing in the way of your wealth or your likeability.
My money buys me
Try this if you’re curious about the underlying need you satisfy every time you spend (or save).
Life or living annuity
You will use this when you are on the brink of retirement and need to decide whether you should put your retirement savings in a traditional life annuity or a more flexible living annuity.
Rough guide to retirement savings
This gives you a rough idea of how much you need for retirement, taking into account the type of lifestyle you want after either age 60 or 65. Not for people with less than 5 years left to retirement.
