# Zamcalc

> Free, regularly updated financial calculators, tools and learning resources for Zambia. PAYE tax, NAPSA and NHIMA deductions, ZESCO electricity tariffs, mobile money fees, loans, savings, bonds, vehicle import duty, and more. All figures reflect current official rates published by ZRA, NAPSA, NHIMA, ZESCO, ERB, BoZ, and other Zambian authorities.

Every calculator cites its sources and is maintained in sync with the latest statutory instruments, tariff schedules, and official gazette notices. Results are estimates for planning purposes and should be verified against primary sources before use in binding financial decisions.

## Tax

- [PAYE Tax](https://zamcalc.com/calculators/paye): Income tax, NAPSA & NHIMA deductions
- [VAT](https://zamcalc.com/calculators/vat): Add or remove 16% Value Added Tax
- [Turnover Tax](https://zamcalc.com/calculators/turnover-tax): 5% tax on gross sales for small businesses
- [Withholding Tax](https://zamcalc.com/calculators/withholding-tax): WHT on dividends, interest, royalties, fees and commissions
- [Rental Income Tax](https://zamcalc.com/calculators/rental-income-tax): Landlord tax on gross rental income - domestic & commercial
- [Property Transfer Tax](https://zamcalc.com/calculators/property-transfer-tax): PTT on land, shares, mining rights & IP transfers

## Personal Finance

- [Mobile Money](https://zamcalc.com/calculators/mobile-money): Airtel & MTN send & withdraw fees
- [Savings Goal](https://zamcalc.com/calculators/savings-goal): How much to save each month to reach a goal
- [Compound Interest](https://zamcalc.com/calculators/compound-interest): Investment growth over time

## Loans

- [Micro Loans](https://zamcalc.com/calculators/microloan): Informal loan interest & total repayable
- [Loan Repayment](https://zamcalc.com/calculators/loan-repayment): Monthly repayments & total interest
- [HELSB Loans](https://zamcalc.com/calculators/helsb-loans): Estimate your student loan or calculate repayment at 10% interest

## Employment

- [Gratuity](https://zamcalc.com/calculators/gratuity): End-of-contract gratuity for long-term employment
- [Leave Days](https://zamcalc.com/calculators/leave-days): Calculate the cash value of accrued leave days
- [Terminal Benefits](https://zamcalc.com/calculators/terminal-benefits): Total payout on employment termination
- [NHIMA](https://zamcalc.com/calculators/nhima): Health insurance contributions at 1%
- [NAPSA](https://zamcalc.com/calculators/napsa): Pension contributions at 5% with ceiling
- [Overtime](https://zamcalc.com/calculators/overtime): Overtime pay at Employment Code Act rates
- [Payroll Summary](https://zamcalc.com/tools/payroll-summary): Multi-employee PAYE, NAPSA, NHIMA and cost to company

## Investments and Markets

- [Treasury Bills](https://zamcalc.com/calculators/treasury-bills): Returns on GRZ Treasury Bills by tenor and yield
- [Government Bonds](https://zamcalc.com/calculators/bonds): Estimated returns on GRZ treasury bonds
- [Currency Rates](https://zamcalc.com/tools/currency-rates): Live ZMW exchange rates against major currencies

## Utilities

- [Zesco Electricity](https://zamcalc.com/calculators/zesco): Estimate your ZESCO bill by units consumed
- [Solar Kit](https://zamcalc.com/calculators/solar): Size solar panels, batteries and inverter for your home

## Transport

- [Vehicle Import Duty](https://zamcalc.com/calculators/vehicle-import-duty): ZRA duty and total landed cost for used vehicles - live exchange rates, CIF, hybrid and electric support
- [Road Tax](https://zamcalc.com/calculators/road-tax): Annual RTSA vehicle licence fees by weight band

## Optional

- [Home](https://zamcalc.com): Landing page with an overview of all tools.
- [Blog](https://zamcalc.com/blog): Explainers and guides on Zambian finance topics.
- [Sitemap](https://zamcalc.com/sitemap.xml): Full list of indexable URLs.
- [GEO Feed](https://zamcalc.com/geo-feed.json): Structured JSON feed of all tools, FAQs, and blog content.