← All tools · finance

Finance
& Compliance

Stay compliant, invoices, VAT, PAYE, SARS and CIPC.

Hubsela toolkit illustration

Invoice Generator

Create VAT-inclusive or exclusive invoices, add your VAT number, email or download as PDF.

Open tool

VAT 15% Calculator

Switch between VAT-in and VAT-out, run a bulk paste mode and export a VAT201-style summary.

Open tool

PAYE / UIF / SDL Calculator

Monthly or annual income tax with primary/secondary rebates and medical aid credits.

Open tool

12-Week Cash Flow Forecaster

Model recurring inflows and outflows. Spot the weeks you'll go negative, then act.

Open tool

SARS & CIPC Compliance Calendar

Personalised calendar of SARS and CIPC deadlines based on your business type. Download to .ics.

Open tool
AI

Funding Readiness Check

AI assessment of your readiness with strengths, gaps and recommended funders.

Open tool

Monthly Budget Planner

Build a clean monthly budget, track every income line and expense category, see your net profit instantly and export to CSV.

Open tool

Profit Margin & Markup

Compare margin and markup on any product or service, know what to charge and what your gross profit really is.

Open tool

Break-Even Calculator

Enter fixed costs, selling price and variable cost, see exactly how many units (and how much revenue) covers your costs.

Open tool

Loan Repayment Calculator

Work out monthly repayments, total interest and a 12-month amortisation schedule for SEFA, bank or asset finance.

Open tool

Working Capital Calculator

See your current ratio and working capital position, funders use this to judge short-term liquidity and risk.

Open tool

Business Tax Estimator

Estimate your annual tax bill across SBC sliding scale, Turnover Tax and standard company tax, using SARS 2025/26 brackets.

Open tool

Expense Tracker

Capture every business expense with category, VAT and date. Totals refresh live, ready for VAT201 and bookkeeping.

Open tool

Debtors Tracker

Track outstanding invoices by client, see overdue totals and update status as customers pay.

Open tool

Inventory Tracker

Monitor stock on hand, cost vs selling price and get alerts when items hit your reorder level.

Open tool