Rand Guy - South African Personal Finance

South African Personal Finance & Investment Guide

Simple tools. Smart choices. Better money.

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Financial Calculators

Calculate your income tax, UIF, and more with these SA-specific tools

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Historical Data & Trends

Check out prime rates, tax brackets, and how SA finances have evolved

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Investment Guides & Tips

Learn how TFSAs work, what ETFs are, and how to build wealth in South Africa

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Latest Posts

Why SARB Will Cut Interest Rates in November 2025: A Data-Driven Prediction

6 min read

Why the South African Reserve Bank is likely to cut prime and repo rates in November 2025. Analysis of inflation trends, SARB policy, and what it means for your home loan and savings.

TFSA vs Retirement Annuity (RA): How to Split Your Money

4 min read

Max your TFSA first. Once you can invest more than R3,000/month, add an RA for the tax deduction. Practical South African guidance with examples.

R30,000 Salary: How Much Actually Stays in Your Pocket?

6 min read

Break down a R30,000 monthly salary to see how much you actually keep after PAYE, UIF, and other deductions. Plus, learn how retirement annuities can reduce your tax bill.

Understanding UIF: Your Guide to Unemployment Insurance in South Africa

10 min read

Learn everything about UIF (Unemployment Insurance Fund) in South Africa - what it is, who qualifies, how to claim, contribution rates, and the monthly cap.

How to Calculate Your Effective Tax Rate in South Africa

7 min read

Learn how to calculate your effective tax rate, understand how raises affect your tax bracket, and why moving up a bracket isn't as scary as you think.

Dave Ramsey's Baby Steps - The South African Version

8 min read

Dave Ramsey's famous Baby Steps adapted for South Africans. Learn how to build wealth using TFSAs, retirement annuities, and SA-specific financial strategies.

Getting Started with Investing in South Africa

3 min read

A beginner's guide to investing in South Africa. Learn about ETFs, unit trusts, and tax-free savings accounts.

Understanding Tax-Free Savings Accounts

5 min read

Everything you need to know about TFSAs in South Africa, including contribution limits and best practices.