← Gallery Issue Nº01 · Free · Printed in Jozi
100% free no salesman your own numbers

Budget.Retire.Pay less tax.

A South African money app that works on your own numbers — budget, retirement, tax, net worth, emergency fund and TFSA. No product to sell you. No adviser on the phone.

Try the demo → Start with your own numbers
start here —
it costs nothing!
Page 2 · what's inside

Six money tools,
zero sales pitch.

Budget

Every rand of take-home gets a job. See where R42,873 actually goes.

→ surplus found: R1,173

Retirement

Your path to 65 on your real RA balance, in today's rands.

→ 61% replacement, target 75%

Tax & RA

2026/27 PAYE, your marginal rate, and the RA deduction you're leaving on the table.

→ R10,140 back from SARS

Net worth

House, RA, TFSA, car — minus the bond and car loan. One honest number.

→ R0.61m to R1.32m in 5 years

Emergency fund

How many months you could survive a retrenchment. Aim for three to six.

→ flags the weak spot first

TFSA

Tracks the R46,000 annual limit so you never over-contribute and pay the 40% penalty.

→ R34,000 of room left
Page 3 · the screens

Flip through the app

09:41Budget

October · take-home

R42,873

  • Bond14,200
  • Car6,800
  • Groceries6,200
  • Medical4,800
  • School4,500
  • Other3,100
  • Insurance2,100
Left over: R1,173. That's 2.7% — tight.
01

The budget, in plain ink

Spend of R41,700 against take-home of R42,873. Each line is yours, typed in once.

09:41Retirement

At 65 on current path

R6.9m

target R8.6mnow R6.9m
61% income replacement. RA to R7,200/mo closes the gap to 75%.
02

Your road to 65

From R610k at 38 to R6.9m. Drag the RA slider and watch the gap close.

09:41Tax & RA

RA deduction used

R60,000 of R204,600

  • Used60k
  • Top-up26k
  • TFSA12k
Top up R26,000 before 28 Feb at 39% marginal = R10,140 back.
03

Tax you don't have to pay

We know the 27.5% RA cap and the 2026/27 tables. You get the refund maths, not a product.

1 / 3
Page 4 · how it works

Three steps. No forms to sign.

1

Type your numbers

Salary, bond, car, medical aid, RA. About ten minutes with a payslip.

2

See the picture

A health score out of 100, your budget, your path to 65 and your tax.

3

Do three fixes

Ranked by rand impact. Nobody phones you afterwards to sell you anything.

Back cover

No salesman.
No catch.

Try the demo →Start with your own numbers
Special issue Tax year 2026/27

The Thandi issue

Financial health report · Thandi Mokoena, 38 · Johannesburg · married, 2 kids

Overall health

Health score: 68 / 1000100
68/100

!Fair — on track with three fixes

Four pillars

Spend74✓Good
Save52!Watch
Borrow71✓Good
Plan63!Watch

Key ratios

Emergency fund1.1 motarget 3–6 months✕Weak
Savings rate9.7%RA + TFSA, of gross!Watch
Debt-to-income34%repayments / gross!Watch
Net worthR1.32m+R130k this year✓Good
Monthly surplusR1,1732.7% of take-home!Watch
Income at 6561%target 75%!Watch

Where R42,873 goes

Bond: R14,200 (33%) Car: R6,800 (16%) Groceries: R6,200 (14%) Medical aid: R4,800 (11%) School fees: R4,500 (10%) Insurance: R2,100 (5%) Other: R3,100 (7%) Surplus: R1,173 (3%) Bond 33%Car 16%surplus 3% →
  • Bond R14,200
  • Car R6,800
  • Groceries R6,200
  • Medical R4,800
  • School R4,500
  • Insurance R2,100
  • Other R3,100
  • Surplus R1,173

Tax & RA

Tax & RA opportunityR10,140 back

Top up the RA by R26,000 before 28 Feb. Cap is 27.5% of R744k = R204,600; you've used R60,000. Marginal rate 39%. TFSA: R12,000 of R46,000 used.

Net worth, R millions

00.51.01.5 2021: R0.61m 2022: R0.74m 2023: R0.86m 2024: R1.02m 2025: R1.19m Now: R1.32m 0.610.740.861.021.191.32 20212022202320242025Now

Assets R2.94m (house R1.95m · RA R610k · car R185k · TFSA R146k · cash R48k) less bond R1.48m and car loan R140k.

Retirement projection

R0R3mR6mR9m Age 38: R610kAge 45: R1.45m (current path)Age 50: R2.3m (current path)Age 55: R3.5m (current path)Age 60: R5.0m (current path)Age 65: R6.9m, 61% replacement Age 45: R1.62m (RA R7,200)Age 50: R2.7m (RA R7,200)Age 55: R4.2m (RA R7,200)Age 60: R6.1m (RA R7,200)Age 65: R8.6m, 75% replacement R8.6m75% goalR6.9m61% 384550556065
  • Current path (RA R5,000/mo)
  • RA at R7,200/mo

Top 3 actions

  1. Build the emergency fund to 3 months. Move R2,000/mo to a money-market account.R2,000per month
  2. Top up the RA by R26,000 before 28 Feb.R10,140back from SARS
  3. Refinance the car loan or pay R1,500 extra a month.~R18,400interest saved