Last updated: April 2026
Please read these terms before using ClearCents. By accessing or using clearcents.co.za, you agree to be bound by these terms. If you do not agree, please do not use the site.
ClearCents is a free financial education website that provides a savings and investment calculator along with supporting educational content. It is operated as an independent, non-commercial resource for South African users.
Nothing on ClearCents constitutes financial advice. The calculator and all content on this site are provided for educational and illustrative purposes only. Results produced by the calculator are estimates based on the inputs you provide and assumed rates of return. They are not predictions, projections, or guarantees of future investment performance.
ClearCents is not a registered financial services provider in terms of the Financial Advisory and Intermediary Services Act (FAIS Act) of South Africa. We do not provide personalised financial advice, portfolio management, or any regulated financial service. Before making any financial or investment decision, you should consult a qualified and registered financial adviser.
We make reasonable efforts to ensure that the information and calculations on ClearCents are accurate and up to date. However, we do not warrant that all content is free from errors or omissions. Financial rules, tax limits, and rate benchmarks change over time. Always verify important figures with an authoritative source such as the South African Revenue Service (SARS) or a registered financial institution.
The calculator uses the effective annual rate method consistent with standard South African practice. However, individual investment products may use different compounding conventions. Results may differ from calculations produced by specific financial institutions or products.
To the fullest extent permitted by South African law, ClearCents and its operators accept no liability for any loss or damage, direct or indirect, arising from your use of this site or reliance on any information or calculation result provided here. This includes but is not limited to financial loss, investment loss, or decisions made on the basis of information found on this site.
You use ClearCents entirely at your own risk.
All content on ClearCents, including text, calculations, and design, is the property of ClearCents. You may share links to pages on this site freely. You may not reproduce, copy, or republish substantial portions of this site's content without permission. If you would like to use our content, please contact us at hello@clearcents.co.za.
ClearCents may link to external websites including investment platforms, financial service providers, and other resources. These links are provided for convenience and information only. We do not endorse or take responsibility for the content, accuracy, or practices of any third-party site. Visiting external sites is entirely at your own discretion.
Where we have affiliate relationships with third parties, this will be disclosed clearly. Affiliate links do not affect the independence of our content or calculator results.
ClearCents may display advertisements served by Google AdSense or other advertising networks. The presence of an advertisement does not constitute an endorsement of the advertised product or service by ClearCents.
We reserve the right to update these terms at any time. Changes will be posted on this page with an updated date. Continued use of the site after any changes constitutes your acceptance of the updated terms.
These terms are governed by the laws of the Republic of South Africa. Any disputes arising from the use of this site shall be subject to the jurisdiction of the South African courts.
If you have any questions about these terms, please contact us at hello@clearcents.co.za.