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Add a free, fully functional Zambian financial calculator to your site with one line of code. Always up to date with the latest rates, tariffs, and fees.

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Tax

PAYE Tax Calculator

Income tax, NAPSA & NHIMA deductions

Preview

<iframe
  id="zamcalc-paye"
  src="https://zamcalc.com/embed/paye"
  width="100%"
  frameborder="0"
  style="border: 1px solid #e4e4e7; border-radius: 12px; min-height: 400px;"
  loading="lazy"
  title="PAYE Tax Calculator"
></iframe>
<script>
  window.addEventListener('message', function(e) {
    if (e.data && e.data.zamcalcEmbed) {
      var f = document.getElementById('zamcalc-paye');
      if (f) f.style.height = e.data.height + 'px';
    }
  });
</script>

VAT Calculator

Add or remove 16% Value Added Tax

Preview

<iframe
  id="zamcalc-vat"
  src="https://zamcalc.com/embed/vat"
  width="100%"
  frameborder="0"
  style="border: 1px solid #e4e4e7; border-radius: 12px; min-height: 400px;"
  loading="lazy"
  title="VAT Calculator"
></iframe>
<script>
  window.addEventListener('message', function(e) {
    if (e.data && e.data.zamcalcEmbed) {
      var f = document.getElementById('zamcalc-vat');
      if (f) f.style.height = e.data.height + 'px';
    }
  });
</script>

Turnover Tax Calculator

5% tax on gross sales for small businesses

Preview

<iframe
  id="zamcalc-turnover-tax"
  src="https://zamcalc.com/embed/turnover-tax"
  width="100%"
  frameborder="0"
  style="border: 1px solid #e4e4e7; border-radius: 12px; min-height: 400px;"
  loading="lazy"
  title="Turnover Tax Calculator"
></iframe>
<script>
  window.addEventListener('message', function(e) {
    if (e.data && e.data.zamcalcEmbed) {
      var f = document.getElementById('zamcalc-turnover-tax');
      if (f) f.style.height = e.data.height + 'px';
    }
  });
</script>

Withholding Tax Calculator

WHT on dividends, interest, royalties, fees and commissions

Preview

<iframe
  id="zamcalc-withholding-tax"
  src="https://zamcalc.com/embed/withholding-tax"
  width="100%"
  frameborder="0"
  style="border: 1px solid #e4e4e7; border-radius: 12px; min-height: 400px;"
  loading="lazy"
  title="Withholding Tax Calculator"
></iframe>
<script>
  window.addEventListener('message', function(e) {
    if (e.data && e.data.zamcalcEmbed) {
      var f = document.getElementById('zamcalc-withholding-tax');
      if (f) f.style.height = e.data.height + 'px';
    }
  });
</script>

Rental Income Tax Calculator

Landlord tax on gross rental income - domestic & commercial

Preview

<iframe
  id="zamcalc-rental-income-tax"
  src="https://zamcalc.com/embed/rental-income-tax"
  width="100%"
  frameborder="0"
  style="border: 1px solid #e4e4e7; border-radius: 12px; min-height: 400px;"
  loading="lazy"
  title="Rental Income Tax Calculator"
></iframe>
<script>
  window.addEventListener('message', function(e) {
    if (e.data && e.data.zamcalcEmbed) {
      var f = document.getElementById('zamcalc-rental-income-tax');
      if (f) f.style.height = e.data.height + 'px';
    }
  });
</script>

Property Transfer Tax Calculator

PTT on land, shares, mining rights & IP transfers

Preview

<iframe
  id="zamcalc-property-transfer-tax"
  src="https://zamcalc.com/embed/property-transfer-tax"
  width="100%"
  frameborder="0"
  style="border: 1px solid #e4e4e7; border-radius: 12px; min-height: 400px;"
  loading="lazy"
  title="Property Transfer Tax Calculator"
></iframe>
<script>
  window.addEventListener('message', function(e) {
    if (e.data && e.data.zamcalcEmbed) {
      var f = document.getElementById('zamcalc-property-transfer-tax');
      if (f) f.style.height = e.data.height + 'px';
    }
  });
</script>

Employment

Gratuity Calculator

End-of-contract gratuity for long-term employment

Preview

<iframe
  id="zamcalc-gratuity"
  src="https://zamcalc.com/embed/gratuity"
  width="100%"
  frameborder="0"
  style="border: 1px solid #e4e4e7; border-radius: 12px; min-height: 400px;"
  loading="lazy"
  title="Gratuity Calculator"
></iframe>
<script>
  window.addEventListener('message', function(e) {
    if (e.data && e.data.zamcalcEmbed) {
      var f = document.getElementById('zamcalc-gratuity');
      if (f) f.style.height = e.data.height + 'px';
    }
  });
</script>

Leave Days Calculator

Calculate the cash value of accrued leave days

Preview

<iframe
  id="zamcalc-leave-days"
  src="https://zamcalc.com/embed/leave-days"
  width="100%"
  frameborder="0"
  style="border: 1px solid #e4e4e7; border-radius: 12px; min-height: 400px;"
  loading="lazy"
  title="Leave Days Calculator"
></iframe>
<script>
  window.addEventListener('message', function(e) {
    if (e.data && e.data.zamcalcEmbed) {
      var f = document.getElementById('zamcalc-leave-days');
      if (f) f.style.height = e.data.height + 'px';
    }
  });
</script>

Terminal Benefits Calculator

Total payout on employment termination

Preview

<iframe
  id="zamcalc-terminal-benefits"
  src="https://zamcalc.com/embed/terminal-benefits"
  width="100%"
  frameborder="0"
  style="border: 1px solid #e4e4e7; border-radius: 12px; min-height: 400px;"
  loading="lazy"
  title="Terminal Benefits Calculator"
></iframe>
<script>
  window.addEventListener('message', function(e) {
    if (e.data && e.data.zamcalcEmbed) {
      var f = document.getElementById('zamcalc-terminal-benefits');
      if (f) f.style.height = e.data.height + 'px';
    }
  });
</script>

NHIMA Contributions Calculator

Health insurance contributions at 1%

Preview

<iframe
  id="zamcalc-nhima"
  src="https://zamcalc.com/embed/nhima"
  width="100%"
  frameborder="0"
  style="border: 1px solid #e4e4e7; border-radius: 12px; min-height: 400px;"
  loading="lazy"
  title="NHIMA Contributions Calculator"
></iframe>
<script>
  window.addEventListener('message', function(e) {
    if (e.data && e.data.zamcalcEmbed) {
      var f = document.getElementById('zamcalc-nhima');
      if (f) f.style.height = e.data.height + 'px';
    }
  });
</script>

NAPSA Contributions Calculator

Pension contributions at 5% with ceiling

Preview

<iframe
  id="zamcalc-napsa"
  src="https://zamcalc.com/embed/napsa"
  width="100%"
  frameborder="0"
  style="border: 1px solid #e4e4e7; border-radius: 12px; min-height: 400px;"
  loading="lazy"
  title="NAPSA Contributions Calculator"
></iframe>
<script>
  window.addEventListener('message', function(e) {
    if (e.data && e.data.zamcalcEmbed) {
      var f = document.getElementById('zamcalc-napsa');
      if (f) f.style.height = e.data.height + 'px';
    }
  });
</script>

Overtime Calculator

Overtime pay at Employment Code Act rates

Preview

<iframe
  id="zamcalc-overtime"
  src="https://zamcalc.com/embed/overtime"
  width="100%"
  frameborder="0"
  style="border: 1px solid #e4e4e7; border-radius: 12px; min-height: 400px;"
  loading="lazy"
  title="Overtime Calculator"
></iframe>
<script>
  window.addEventListener('message', function(e) {
    if (e.data && e.data.zamcalcEmbed) {
      var f = document.getElementById('zamcalc-overtime');
      if (f) f.style.height = e.data.height + 'px';
    }
  });
</script>

Payroll Summary

Multi-employee PAYE, NAPSA, NHIMA and cost to company

Preview

<iframe
  id="zamcalc-payroll-summary"
  src="https://zamcalc.com/embed/payroll-summary"
  width="100%"
  frameborder="0"
  style="border: 1px solid #e4e4e7; border-radius: 12px; min-height: 400px;"
  loading="lazy"
  title="Payroll Summary"
></iframe>
<script>
  window.addEventListener('message', function(e) {
    if (e.data && e.data.zamcalcEmbed) {
      var f = document.getElementById('zamcalc-payroll-summary');
      if (f) f.style.height = e.data.height + 'px';
    }
  });
</script>

Finance

Mobile Money Fees Calculator

Airtel, MTN and Zamtel send & withdraw fees

Preview

<iframe
  id="zamcalc-mobile-money-fees"
  src="https://zamcalc.com/embed/mobile-money-fees"
  width="100%"
  frameborder="0"
  style="border: 1px solid #e4e4e7; border-radius: 12px; min-height: 400px;"
  loading="lazy"
  title="Mobile Money Fees Calculator"
></iframe>
<script>
  window.addEventListener('message', function(e) {
    if (e.data && e.data.zamcalcEmbed) {
      var f = document.getElementById('zamcalc-mobile-money-fees');
      if (f) f.style.height = e.data.height + 'px';
    }
  });
</script>

Savings Calculator

Calculate savings by balance, duration, deposit, rate, or progressive deposits

Preview

<iframe
  id="zamcalc-savings"
  src="https://zamcalc.com/embed/savings"
  width="100%"
  frameborder="0"
  style="border: 1px solid #e4e4e7; border-radius: 12px; min-height: 400px;"
  loading="lazy"
  title="Savings Calculator"
></iframe>
<script>
  window.addEventListener('message', function(e) {
    if (e.data && e.data.zamcalcEmbed) {
      var f = document.getElementById('zamcalc-savings');
      if (f) f.style.height = e.data.height + 'px';
    }
  });
</script>

Inflation Calculator

Track Kwacha purchasing power, project the future, check salary vs CPI, or compute real return

Preview

<iframe
  id="zamcalc-inflation"
  src="https://zamcalc.com/embed/inflation"
  width="100%"
  frameborder="0"
  style="border: 1px solid #e4e4e7; border-radius: 12px; min-height: 400px;"
  loading="lazy"
  title="Inflation Calculator"
></iframe>
<script>
  window.addEventListener('message', function(e) {
    if (e.data && e.data.zamcalcEmbed) {
      var f = document.getElementById('zamcalc-inflation');
      if (f) f.style.height = e.data.height + 'px';
    }
  });
</script>

Compound Interest Calculator

Investment growth over time

Preview

<iframe
  id="zamcalc-compound-interest"
  src="https://zamcalc.com/embed/compound-interest"
  width="100%"
  frameborder="0"
  style="border: 1px solid #e4e4e7; border-radius: 12px; min-height: 400px;"
  loading="lazy"
  title="Compound Interest Calculator"
></iframe>
<script>
  window.addEventListener('message', function(e) {
    if (e.data && e.data.zamcalcEmbed) {
      var f = document.getElementById('zamcalc-compound-interest');
      if (f) f.style.height = e.data.height + 'px';
    }
  });
</script>

Simple Interest Calculator

Linear interest for loans, penalties & accruals

Preview

<iframe
  id="zamcalc-simple-interest"
  src="https://zamcalc.com/embed/simple-interest"
  width="100%"
  frameborder="0"
  style="border: 1px solid #e4e4e7; border-radius: 12px; min-height: 400px;"
  loading="lazy"
  title="Simple Interest Calculator"
></iframe>
<script>
  window.addEventListener('message', function(e) {
    if (e.data && e.data.zamcalcEmbed) {
      var f = document.getElementById('zamcalc-simple-interest');
      if (f) f.style.height = e.data.height + 'px';
    }
  });
</script>

Kwacha Exchange Rates

Live ZMW exchange rates against major currencies

Preview

<iframe
  id="zamcalc-currency-rates"
  src="https://zamcalc.com/embed/currency-rates"
  width="100%"
  frameborder="0"
  style="border: 1px solid #e4e4e7; border-radius: 12px; min-height: 400px;"
  loading="lazy"
  title="Kwacha Exchange Rates"
></iframe>
<script>
  window.addEventListener('message', function(e) {
    if (e.data && e.data.zamcalcEmbed) {
      var f = document.getElementById('zamcalc-currency-rates');
      if (f) f.style.height = e.data.height + 'px';
    }
  });
</script>

Loans

Microloan Calculator

Informal loan interest & total repayable

Preview

<iframe
  id="zamcalc-microloan"
  src="https://zamcalc.com/embed/microloan"
  width="100%"
  frameborder="0"
  style="border: 1px solid #e4e4e7; border-radius: 12px; min-height: 400px;"
  loading="lazy"
  title="Microloan Calculator"
></iframe>
<script>
  window.addEventListener('message', function(e) {
    if (e.data && e.data.zamcalcEmbed) {
      var f = document.getElementById('zamcalc-microloan');
      if (f) f.style.height = e.data.height + 'px';
    }
  });
</script>

Loan Calculator

Monthly repayments & total interest

Preview

<iframe
  id="zamcalc-loan"
  src="https://zamcalc.com/embed/loan"
  width="100%"
  frameborder="0"
  style="border: 1px solid #e4e4e7; border-radius: 12px; min-height: 400px;"
  loading="lazy"
  title="Loan Calculator"
></iframe>
<script>
  window.addEventListener('message', function(e) {
    if (e.data && e.data.zamcalcEmbed) {
      var f = document.getElementById('zamcalc-loan');
      if (f) f.style.height = e.data.height + 'px';
    }
  });
</script>

Loan Affordability Calculator

Calculate the loan amount you can afford on your salary

Preview

<iframe
  id="zamcalc-loan-affordability"
  src="https://zamcalc.com/embed/loan-affordability"
  width="100%"
  frameborder="0"
  style="border: 1px solid #e4e4e7; border-radius: 12px; min-height: 400px;"
  loading="lazy"
  title="Loan Affordability Calculator"
></iframe>
<script>
  window.addEventListener('message', function(e) {
    if (e.data && e.data.zamcalcEmbed) {
      var f = document.getElementById('zamcalc-loan-affordability');
      if (f) f.style.height = e.data.height + 'px';
    }
  });
</script>

HELSB Student Loan Calculator

Estimate your student loan or calculate repayment at 10% interest

Preview

<iframe
  id="zamcalc-helsb-loans"
  src="https://zamcalc.com/embed/helsb-loans"
  width="100%"
  frameborder="0"
  style="border: 1px solid #e4e4e7; border-radius: 12px; min-height: 400px;"
  loading="lazy"
  title="HELSB Student Loan Calculator"
></iframe>
<script>
  window.addEventListener('message', function(e) {
    if (e.data && e.data.zamcalcEmbed) {
      var f = document.getElementById('zamcalc-helsb-loans');
      if (f) f.style.height = e.data.height + 'px';
    }
  });
</script>

Investments

Treasury Bills Calculator

Returns on GRZ Treasury Bills by tenor and yield

Preview

<iframe
  id="zamcalc-treasury-bills"
  src="https://zamcalc.com/embed/treasury-bills"
  width="100%"
  frameborder="0"
  style="border: 1px solid #e4e4e7; border-radius: 12px; min-height: 400px;"
  loading="lazy"
  title="Treasury Bills Calculator"
></iframe>
<script>
  window.addEventListener('message', function(e) {
    if (e.data && e.data.zamcalcEmbed) {
      var f = document.getElementById('zamcalc-treasury-bills');
      if (f) f.style.height = e.data.height + 'px';
    }
  });
</script>

Government Bonds Calculator

Estimated returns on GRZ government bonds

Preview

<iframe
  id="zamcalc-bonds"
  src="https://zamcalc.com/embed/bonds"
  width="100%"
  frameborder="0"
  style="border: 1px solid #e4e4e7; border-radius: 12px; min-height: 400px;"
  loading="lazy"
  title="Government Bonds Calculator"
></iframe>
<script>
  window.addEventListener('message', function(e) {
    if (e.data && e.data.zamcalcEmbed) {
      var f = document.getElementById('zamcalc-bonds');
      if (f) f.style.height = e.data.height + 'px';
    }
  });
</script>

Bond Salary Planner

Plan a monthly passive-income portfolio from Government Bonds

Preview

<iframe
  id="zamcalc-bond-salary"
  src="https://zamcalc.com/embed/bond-salary"
  width="100%"
  frameborder="0"
  style="border: 1px solid #e4e4e7; border-radius: 12px; min-height: 400px;"
  loading="lazy"
  title="Bond Salary Planner"
></iframe>
<script>
  window.addEventListener('message', function(e) {
    if (e.data && e.data.zamcalcEmbed) {
      var f = document.getElementById('zamcalc-bond-salary');
      if (f) f.style.height = e.data.height + 'px';
    }
  });
</script>

Household

ZESCO Units Calculator

Estimate your ZESCO bill by units consumed

Preview

<iframe
  id="zamcalc-zesco-units"
  src="https://zamcalc.com/embed/zesco-units"
  width="100%"
  frameborder="0"
  style="border: 1px solid #e4e4e7; border-radius: 12px; min-height: 400px;"
  loading="lazy"
  title="ZESCO Units Calculator"
></iframe>
<script>
  window.addEventListener('message', function(e) {
    if (e.data && e.data.zamcalcEmbed) {
      var f = document.getElementById('zamcalc-zesco-units');
      if (f) f.style.height = e.data.height + 'px';
    }
  });
</script>

Solar Kit Calculator

Size solar panels, batteries and inverter for your home

Preview

<iframe
  id="zamcalc-solar-kit"
  src="https://zamcalc.com/embed/solar-kit"
  width="100%"
  frameborder="0"
  style="border: 1px solid #e4e4e7; border-radius: 12px; min-height: 400px;"
  loading="lazy"
  title="Solar Kit Calculator"
></iframe>
<script>
  window.addEventListener('message', function(e) {
    if (e.data && e.data.zamcalcEmbed) {
      var f = document.getElementById('zamcalc-solar-kit');
      if (f) f.style.height = e.data.height + 'px';
    }
  });
</script>

Transport

Vehicle Import Duty Calculator

ZRA duty and total landed cost for used vehicles - live exchange rates, CIF, hybrid and electric support

Preview

<iframe
  id="zamcalc-vehicle-import-duty"
  src="https://zamcalc.com/embed/vehicle-import-duty"
  width="100%"
  frameborder="0"
  style="border: 1px solid #e4e4e7; border-radius: 12px; min-height: 400px;"
  loading="lazy"
  title="Vehicle Import Duty Calculator"
></iframe>
<script>
  window.addEventListener('message', function(e) {
    if (e.data && e.data.zamcalcEmbed) {
      var f = document.getElementById('zamcalc-vehicle-import-duty');
      if (f) f.style.height = e.data.height + 'px';
    }
  });
</script>

Road Tax Calculator

Annual RTSA vehicle licence fees by weight band

Preview

<iframe
  id="zamcalc-road-tax"
  src="https://zamcalc.com/embed/road-tax"
  width="100%"
  frameborder="0"
  style="border: 1px solid #e4e4e7; border-radius: 12px; min-height: 400px;"
  loading="lazy"
  title="Road Tax Calculator"
></iframe>
<script>
  window.addEventListener('message', function(e) {
    if (e.data && e.data.zamcalcEmbed) {
      var f = document.getElementById('zamcalc-road-tax');
      if (f) f.style.height = e.data.height + 'px';
    }
  });
</script>

Free to use

All embeds are free with no usage limits. We only ask that you keep the "Powered by Zamcalc" link visible for fair attribution. Rates and tariffs update automatically when official changes are published.