Zambian taxes,
bills and fees.
Calculated
instantly.
Estimate and plan your personal and business finances. Free, always up to date, and based on official Zambian rates.
Zambian numbers you can trust
Every tool on Zamcalc is based on Zambian laws and official sources. Every result is accurate and verifiable, and every rate change is clearly date-stamped.
We cite every source
Each tool links to the Act, Statutory Instrument, or tariff schedule and any other relevant resource it's based on. Check any source to verify the numbers.
Updated when rates change
Zambia's governing bodies change rates, tarrifs, bands and fees periodically. We update Zamcalc immediately, and every tool shows when it was last changed.
Band-by-band breakdowns
Step-by-step breakdowns for every result, by rate, tariff tier, tax band, and fee bracket. No guesswork.
Get the Zamcalc mobile app
Every calculator and tool, in your pocket. Free on Google Play, works offline, no sign-up.
32 tools for every Zambian
Whether you're earning, spending, investing, saving, or planning, Zamcalc has a tool for you.
Turnover Tax
5% tax on gross sales for small businesses
Solar Kit
Size solar panels, batteries and inverter for your home
Savings
Calculate savings by balance, duration, deposit, rate, or progressive deposits
Mobile Money Fees
Airtel, MTN and Zamtel send & withdraw fees
Zesco Units
Estimate your ZESCO bill by units consumed
Inflation
Track Kwacha purchasing power, project the future, check salary vs CPI, or compute real return
Government Bonds
Estimated returns on GRZ government bonds
NHIMA Contributions
Health insurance contributions at 1%
Microloan
Informal loan interest & total repayable
Rental Income Tax
Landlord tax on gross rental income - domestic & commercial
Terminal Benefits
Total payout on employment termination
Bonds & T-Bills Auction Calendar
Upcoming BoZ Bonds & T-Bills auction dates
Overtime
Overtime pay at Employment Code Act rates
Currency Rates
Live ZMW exchange rates against major currencies
Vehicle Import Duty
ZRA duty and total landed cost for used vehicles - live exchange rates, CIF, hybrid and electric support
Treasury Bills
Returns on GRZ Treasury Bills by tenor and yield
Property Transfer Tax
PTT on land, shares, mining rights & IP transfers
HELSB Loans
Estimate your student loan or calculate repayment at 10% interest
Gratuity
End-of-contract gratuity for long-term employment
Bond Salary
Plan a monthly passive-income portfolio from Government Bonds
Compound Interest
Investment growth over time
NAPSA Contributions
Pension contributions at 5% with ceiling
Loan
Monthly repayments & total interest
VAT
Add or remove 16% Value Added Tax
Withholding Tax
WHT on dividends, interest, royalties, fees and commissions
Leave Days
Calculate the cash value of accrued leave days
PAYE
Income tax, NAPSA & NHIMA deductions
Road Tax
Annual RTSA vehicle licence fees by weight band
Simple Interest
Linear interest for loans, penalties & accruals
Payroll Summary
Multi-employee PAYE, NAPSA, NHIMA and cost to company
Fuel Cost
Petrol & diesel trip costs and running budgets
Loan Affordability
Calculate the loan amount you can afford on your salary
Can't find a tool or feature you need?
We're constantly improving Zamcalc. Tell us what you need and we'll consider it for the next update.
Send your suggestionsMore than just calculations
Adjust results in one tap, jump to the next tool, share, export, plan in reverse, or embed - everything you need from a digital finance toolkit built for Zambia.
Share with anyone, in one tap
Every calculation lives in the browser. Send to WhatsApp, copy the link, or email it - your inputs are sent with the link, and the recipient sees the same result you see.
Export anywhere
Generate clean PDFs for your records, CSVs for spreadsheets, or print straight from the page.
Start with the answer
Know your net pay but need the gross? Interested in a specific government bond return? Calculate using reverse mode.
Insights for your numbers
Every result also gives you context-aware tips - related tools, comparisons, and what your numbers mean.
Live currency rates
Kwacha rates updated hourly - all foreign currency calculations on Zamcalc are always up to date.
Embed any tool, anywhere.
Add a Zamcalc tool to your website, web app, or blog. We build the tools and keep them up to date. You keep your readers on your site.
Results as you type.
No submit button. Change a number, see the impact in the same breath - everything runs in the browser.
Learn the finances
Every tool links to in-depth guides and explainers covering Zambian tax laws, tariffs, and worked examples.
Next step suggestions
Every result points you to the natural next tool - the tax on that gross, the duty on that car - guiding you through every decision.
Quick adjustments
Wonder what a raise, a bigger loan, or a longer term does to the numbers? Use quick adjustment buttons to recalculate results instantly - no clearing fields or re-typing.
Zambian finance, explained
Guides, explainers, and worked examples for the rules behind every Zamcalc tool. Written for Zambians, in plain language.
Zambia Government Bond Auction Results - June 2026
Results from GRZ Bond Auction 05/2026/BA held on 26 June 2026. Yields held steady across all tenors and demand for short-dated bonds rebounded strongly.
How to Get the Best Exchange Rate in Zambia (2026)
Compare exchange rates across banks, bureaux de change, and online services in Zambia. Use the BOZ mid-rate as your benchmark and avoid common pitfalls.
Withholding Tax - Final Tax vs Credited Against Income Tax in Zambia
Not all Withholding Tax in Zambia is final. Learn which categories are final tax and which are credited against your annual income tax liability.
Frequently asked questions
Is Zamcalc free?
Yes, completely. All calculators and tools are free to use with no signup, no limits, and no hidden paywalls.
How do you keep rates up to date?
We monitor official sources - ZRA for tax bands, ZESCO for electricity tariffs, RTSA for road tax, mobile network operators for fee schedules - and update Zamcalc when rates change. Every tool shows the date it was last updated.
Are the calculations accurate?
Yes. We use the exact formulas, bands, and thresholds published by the relevant Zambian authorities. Every tool also cites the Act, Statutory Instrument, or tariff schedule it is based on so you can verify any number yourself.
Do you store my data?
No. All calculations happen in your browser. We do not store, transmit, or log any numbers you enter.
What calculators are available?
Over 30 tools across tax, employment, finance, loans, household, investments, and transport - including PAYE, gratuity, ZESCO bills, mobile money fees, government bonds, vehicle import duty, road tax, withholding tax, and live currency rates. New tools are added regularly.
See all toolsCan I share my results?
Yes. Every calculation generates a shareable link with your inputs pre-filled - share via WhatsApp, email, or just copy the URL. You can also export results to PDF or CSV.
Is there a Zamcalc mobile app?
Yes. The Zamcalc app is now live on Google Play for Android. It has all 30+ tools, works fully offline, and needs no sign-up. An iPhone version is currently in development. In the meantime, every tool also works freely in any phone browser.
Get the Android appCan I embed Zamcalc tools on my own site?
Yes. Most calculators are available as embeddable widgets you can drop into your blog, intranet, HR portal, or product - the full tool with live results, in a single iframe tag.
Browse embeddable toolsIs Zamcalc affiliated with the Zambian government?
No. Zamcalc is an independent tool, not affiliated with or endorsed by the Government of Zambia, ZRA, ZESCO, NAPSA, NHIMA, or any other official body. We use publicly available official rates and tariffs; results are informational and not official assessments. Always verify with the relevant authority before acting on them.
Account for every Kwacha.
Salary, bills, imports, savings, investments - 32 free tools, based on official rates and kept up to date. No signup required.
