Insurance calculators
for South Africa
4 free, accurate insurance calculators tuned to South Africa's Tax Year 2026/27 rules. Every calculation runs in your browser — no sign-up, no tracking.
South Africa Life Insurance Calculator
Calculate how much life cover you need in South Africa using HLV, including Estate Duty (20%/25%), Section 4(q) spousal rollover, and 2026 premium benchmarks from Old Mutual, Sanlam, Discovery Life, Liberty, Momentum and Hollard.
All 4 insurance calculators
South Africa insurance— what's covered
Term life, health, motor, critical illness, income protection. Each calculator is locked to South Africa's Tax Year 2026/27 rules and reviewed by a locally-qualified accountant within 48 hours of any budget or rate change. The underlying law and source data are cited at the bottom of every calculator page.
Every calculation runs entirely in your browser — nothing is posted to our servers. We don't sell any loan, insurance, or filing product, so the numbers you see are unbiased.
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