Guides
14 plain-English explainers on South African tax and personal finance.
How PAYE works in South Africa
Brackets, rebates, medical credits and how SARS calculates your monthly PAYE.
VAT explained for SA freelancers
Registration, invoicing, claims and filing — without the jargon.
Bond basics for first-time buyers
Prime, deposits, terms and total cost — plain English for SA buyers.
Transfer duty explained
Thresholds, the sliding scale, and exactly when you owe nothing.
UIF in plain English
Contributions, the ceiling, and how to claim from the UIF.
CGT in plain English
40% inclusion, R50k exclusion, R2m primary-residence exemption.
RA tax savings explained
How retirement contributions cut your income tax — the 27.5% / R350k cap.
Vehicle finance basics
Deposit, balloon, total cost — what to know before signing.
TFSA explained
R36k annual / R500k lifetime, the 40% penalty, TFSA vs RA.
Percentage rules
Every percentage formula you actually need, with worked examples.
Age math explained
How exact age is calculated and the SA milestones where it matters.
Date arithmetic
Add days, count days between dates, and notice-period gotchas.
SA fuel pricing explained
BFP, the fuel levy, the RAF levy, and why inland costs more.
APS deep dive
The 7-point scale, UCT's FPS, faculty cutoffs and subject minimums.