The numbers you actually need before a big SA money decision.
Randly is South Africa's financial scenario engine. Pick a question, move the sliders, and get a defensible answer in seconds — transparent maths, no spreadsheet PDFs, no advisor pitch.
2026 macro snapshot
- Prime rate
- 10.25%
- Repo rate
- 6.75%
- CPI
- 3.1%
- CPT yield
- 9.0%
- JHB yield
- 13.7%
- Primary rebate
- R17,820
All sliders default to these — change anything to stress-test your scenario.
The three tools
Each tool produces a permanent, indexable result page so you can save your scenario, share it, and come back to compare against tomorrow's numbers.
Rentvesting Engine
Compare renting Cape Town + buying Johannesburg vs. buying primary residence in CPT. Net worth, cash flow, ROI.
Run a comparison →EnergySolar / Inverter ROI
Factor load shedding, fuel inflation and WFH productivity loss. Get a real payback period — not the marketing one.
Calculate payback →TaxTax-Efficient Wealth
Optimise Retirement Annuity, TFSA and Section 13sex against the 2026 SARS brackets. Project your after-tax wealth.
Optimise allocations →Frequently asked
Is rentvesting worth it in South Africa in 2026?▾
It depends on the spread between rental yield and bond cost. Cape Town yields ~9% while JHB yields ~13.7% in 2026 — the gap is exactly what makes rentvesting structurally attractive when prime sits at 10.25%. The Rentvesting Engine quantifies it for your numbers.
RA vs TFSA — which one first?▾
If your marginal rate is 31% or higher, the RA tax deduction usually beats the TFSA's tax-free growth in net present value terms — until you hit the 27.5%/R350k cap. Below 31%, TFSA tends to win on flexibility. The Tax engine models both.
Will solar still pay back if Eskom stabilises?▾
Yes, but the payback period stretches. The Solar engine separates bill-saving (sensitive to electricity inflation) from downtime-avoided (sensitive to outage hours and fuel prices), so you can stress-test both.