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Ten practical tools for business decisions, loans, debt and personal planning. Start with your question and explore the assumptions.
Free to use, without an email or account. Calculations run in your browser.
Choose your tool.
Loan repayment & early payoff calculator
Compare your normal repayment plan with a lump sum or extra monthly payment. See the effect on interest, payoff time and total cash paid.
Open calculator ↗Loans & debtDebt payoff planner
Compare highest interest first with smallest balance first. Freed repayments roll into the debts that remain.
Open calculator ↗Business planningBusiness break-even calculator
Calculate the sales volume needed to cover monthly fixed costs and reach a target profit.
Open calculator ↗Salary & taxSouth African income tax & take-home estimator
Estimate annual income tax and average monthly net cash for a full-year South African resident employee.
Open calculator ↗Business planningLate-paying customer impact calculator
Estimate the working capital effect of customers taking longer to pay, using steady monthly credit sales.
Open calculator ↗Salary & taxEmployee cost calculator
Estimate total employer cost including a bonus provision, employer contributions and benefits.
Open calculator ↗Personal planningSavings goal calculator
Calculate a monthly contribution using a target, timeframe, starting balance and assumed return.
Open calculator ↗Loans & debtLoan comparison calculator
Compare two loan offers for the same amount, including rates, terms, balloons and fees.
Open calculator ↗Equipment planningEquipment purchase comparison
Compare buying, financing and renting by upfront cash, payment timing and net cash outflow.
Compare equipment options ↗Business routinesBusiness health check
Check ten accounting routines and download a practical action list.
Check your business routines ↗SARS deadline calendar
Check upcoming dates, choose your VAT cycle and year-end, and download calendar reminders.
Open deadline calendar ↗Tools give estimates, not lender quotes, payroll outputs or SARS assessments. Tax compliance and tax advisory are planned subject to tax practitioner registration and are not currently offered by Journalled.