Zamcalc - Zambian Calculators

Zamcalc is the all-in-one financial toolkit for Zambia. Work out your PAYE, mobile money charges, ZESCO units, bonds and investments, savings, employment benefits, vehicle import duty and more in seconds - all based on current Zambian tax laws, fee rates and utility tariffs.

Every result is calculated from the latest ZRA tax bands, BoZ, NAPSA and NHIMA rates, ZESCO tariffs, network provider fees, and more official rates, with sources cited so you can trust the numbers. Zamcalc works offline, needs no sign-up, and is free.

Zamcalc's tools and features:

Money and fees
- Mobile money charges - Airtel Money, MTN and Zamtel send and withdrawal fees
- Live Kwacha exchange rates

Tax
- PAYE income tax and your real take-home pay
- VAT, Turnover Tax and Withholding Tax
- Rental Income Tax and Property Transfer Tax

Salary and employment
- NAPSA and NHIMA contributions
- Gratuity, terminal benefits and leave days
- Overtime pay

Transport
- Vehicle and motor import duty plus total landed cost (ZRA)
- Road tax (RTSA)

Bills and household
- ZESCO prepaid units - how many units your kwacha buys
- Solar kit sizing

Investments, savings and markets
- Inflation, Government Bonds and Treasury Bills
- Savings goals, compound and simple interest

Loans
- Personal loans, loan affordability, microloans and HELSB student loans

Learning resources
- Guides, explainers and updates on Zambian finances, helping you understand the laws behind the numbers.

Whether you are checking your payslip, planning a car import, budgeting for ZESCO units, comparing loan offers or working out mobile money charges before you send, Zamcalc quickly gives you clear and accurate answers.

Why Zamcalc
- 30+ Zambia-specific tools in one app
- Built on current ZRA, NAPSA, NHIMA, ZESCO, BoZ and more official figures
- Sources cited for every tool
- Works offline, with no sign-up
- Pin your favourite tools,
- Save and share your results
- Guides and explainers for Zambian finances
- Free to use

Zamcalc is an independent app and is not affiliated with, endorsed by or connected to ZRA, ZESCO, NAPSA, NHIMA, RTSA, BoZ, network providers or any government body. All results are estimates for general guidance - always confirm with the relevant authority before making financial decisions.

Take the guesswork out of Zambian taxes, bills and fees. Download Zamcalc today.

For support, questions and feedback, get in touch at contact@zamcalc.com