Hidden Cost Index
The true cost of living in South Africa
Methodology About Launch dashboard
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HiddenCostIndex.co.za

The real cost of living in South Africa, measured properly.

Hidden Cost Index exposes how much of your income is silently redirected into security, load shedding, private healthcare, transport dependency and crime risk. It calculates your true disposable income and lets you compare South African cities to global ones.

Hidden Cost Index does not replace your budget. It shows what your budget is compensating for. It separates lifestyle choices from money spent to survive failing infrastructure, services and safety.

Example · Urban SA household
Net income
R 35,000
After PAYE, UIF and normal deductions
Hidden costs
R 11,800
Security, load shedding, medical aid, transport, crime, education
Shadow tax rate
31%
Hidden costs as a share of gross income
True disposable income
R 23,200
What is actually left to live on
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