The demerit points checker on this site answers the licence-risk question. A lot of people searching the same topic just want the rand amount. How much is 78 in a 60? What do you pay if you settle in 32 days? Does a handheld phone still cost R500?
So I built the money half of the same Schedule 3.
You pick the posted limit, type the speed you were doing, and it gives you the gazetted penalty for a light vehicle, the halved amount if you pay within 32 days, and the demerit points that sit on that charge. You can tick common extras (phone, seatbelt, red light, no disc) and see a notice total.
A few things that surprised me while checking the gazette.
The tables most news sites still reprint are the old ones. R400 at 11 to 12 km/h over, then 2 km/h steps, arrest at 30 over in town. Government Notice R7646 of 30 June 2026 replaced that. The light-vehicle ladder is 5 km/h steps starting at R500, and the criminal threshold is more than 40 km/h over, so 101 in a 60 goes to court, not 91.
The 10 km/h buffer is real on ordinary AARTO speeding charges. 70 in a 60 is still no speeding fine. Average speed-over-distance cameras do not apply it.
Handheld phone use is R2,000 and 3 points, not R500. An adult seatbelt is R500 and 0 points. Skipping a red light in a car is R1,000 and 1 point.
AARTO Phase 2 is live in 62 municipalities from 1 July 2026. Johannesburg and Tshwane already ran it. The Western Cape is not in this phase, and some other towns still issue Criminal Procedure Act fines at different amounts, so the notice in your hand is the one to pay or represent against. Demerit points are listed because they sit on the same schedule. They are not being recorded yet.
Here it is: AARTO Speeding Fine Calculator South Africa
If you have had a camera notice since 1 July, I would like to know whether the amount on it matches this ladder, especially outside Joburg and Tshwane.