Budget
See where every Rand goes and what is left at month-end.
R 2 900Thandi’s monthly surplus
Open Budget →
Free · no sign-up · made in SA
Wealth is not what you earn. Wealth is what you keep.
You can’t keep what you can’t see. Budget, retirement and SARS tax calculators that speak Rand. Each one ends on a single verdict and the one next step that moves it.
No product salesSARS 2025/26 tablesTwo-pot ready
Thirteen tools. One set of household numbers.
Every tool opens on an executive summary: one verdict, a handful of numbers, and what to do next. The figures below are our example household — Thandi, 38.
Household money
Retirement
Am I on track — and what a two-pot withdrawal really costs.
39/100Thandi’s on-track score
Check my track →Tax
SARS income tax and PAYE on your salary, worked out line by line.
R 30 604Thandi’s take-home of R 38 000
Check my PAYE →Tax-free savings
Use your R46 000 a year TFSA allowance and see what it grows to by retirement.
Open TFSA →Debt payoff
Snowball versus avalanche on your actual debts: which to clear first, and when you are free.
Plan my payoff →Property & finance
Bond affordability
What you can borrow at prime, and what the repayment does to your budget.
Check my bond →Rent or buy
Transfer duty, bond and running costs against rent plus the deposit invested: the year buying pulls ahead.
Compare rent and buy →Transport
Car: cash, finance or lease
Cash, bank finance, a balloon or a lease on one graph — interest, fees, lost interest on your cash and resale value: which costs least.
Compare the four ways →Electric or hybrid car
The extra price against the fuel and servicing it saves: the year and the kilometre it pays for itself.
Compare my car →Electricity & solar
Solar break-even
Your installer’s quote against the electricity it saves: the year solar pays for itself.
When does solar pay? →Heat pump or solar geyser
Hot water is about 40% of the bill. See when a heat pump or solar geyser beats an electric one.
Compare my geyser →Water
Rainwater tank or borehole
Municipal water against a tank or a borehole, at published SA tariffs: the year it pays for itself.
Compare my water →One profile
All thirteen, one set of numbers
Enter your household once and every tool starts from the same salary, spending and savings.
Open MaxWealth →Real stories
Four made-up South Africans, real calculations. See what a few choices do for someone like them — then use MaxWealth to improve your own financial future. Illustrations, not advice.
How it works
No account, no email, no sales call. Just your numbers.
1
Answer a few questions
Each tool asks only what it needs — three to seven numbers. No sign-up, ever, to see your result.
2
Land on your summary
You arrive straight on your own executive summary, saved to our database as a guest - nothing is kept in your browser.
3
Read the verdict
One score, the numbers behind it, and the single next step that moves it.
Calculations, never sales.
MaxWealth works out what your numbers mean. It never sells, ranks or recommends a fund, a retirement annuity, a policy or a bank — so nobody is paying us to nudge you.