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Budget · Retirement · Tax — South Africa

Your money,gildedby your own numbers

Free and private. No salesman, no product to sell you — just a clear ledger of your budget, retirement, tax, net worth, emergency fund and TFSA.

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The six instruments

Everything in one ledger

Budget

Every rand of take-home placed, surplus shown plainly.

Retirement

See R6.9m vs R8.6m — and the monthly fix that closes it.

Tax & RA

Finds the RA top-up that gets SARS to pay you back.

Net worth

Assets less debts, year by year, in one rising line.

Emergency fund

Months of cover, measured against a 3–6 month target.

TFSA

Tracks the R46,000 yearly limit so none of it goes unused.

How it works

Three movements

I

Enter your numbers

Salary, debit orders, balances. Ten minutes, no account linking.

II

Read your report

A one-page health score across spend, save, borrow and plan.

III

Act on three fixes

Ranked by rand impact — with the deadline that matters.

The gallery

Inside the app

Tax · 2026/27
R10,140
back from SARS if you top up the RA by R26,000
Deadline 28 Feb
Tax & RA

The deduction you left on the table

At a 39% marginal rate, every RA rand costs you 61c.

Net worth
R1.32m
up from R0.61m in 2021
AssetsR2.94m
DebtsR1.62m
Net worth

Five years, doubled

House, RA, TFSA and car against the bond and car loan.

Emergency fund
1.1 mo
R48k of spend cover · target 3–6
+R2,000/mo → 3 mo
Safety net

One month from trouble

The single biggest risk in this household — and the cheapest to fix.

Health score
68 / 100
Fair — on track with three fixes
Spend74
Save52
Borrow71
Plan63
See the full report
Summary

Your one-page certificate

Four pillars and three actions. Open the report →

Begin your ledger

No sign-up to look around. Your own numbers when you are ready.

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Certificate of financial health

Executive Summary

Thandi Mokoena, 38 · Johannesburg
Married · two children · tax year 2026/27
Overall health 68/100 - Fair Score 68 of 100 68 0100
!FairOn track with three fixes
Take-home
R42,873
✓Steady
Surplus
R1,173
!Thin
Savings rate
9.7%
!Below 15%
Emergency fund
1.1 mo
✕Target 3–6
Debt to income
34%
!Watch
Net worth
R1.32m
✓+11% y/y

Cash flow

Where R42,873 of monthly take-home goes

    Net worth

    Year-end, rand millions · assets R2.94m less debts R1.62m

    00.51.01.5

    Retirement projection

    Age 38 (R610k) to 65 · rand millions

    0369 3845525965 Target R8.6m (75% income) Age 45, RA R7,200: R1.8mAge 52, RA R7,200: R3.6mAge 59, RA R7,200: R6.0mAge 65, RA R7,200: R8.6m Age 38: R610k todayAge 45, current: R1.6mAge 52, current: R3.0mAge 59, current: R4.9mAge 65, current: R6.9m R8.6m · RA R7,200/mo R6.9m · current (61%) Current pathRA at R7,200/mo
    Tax opportunity
    R10,140
    Top up your RA by R26,000 before 28 February and SARS refunds R10,140.

    Marginal rate 39%. RA deduction cap 27.5% of R744,000 = R204,600 — you have used R60,000. TFSA: R12,000 of R46,000 used.

    ■ cream: used R60k   ■ gold: + R26k top-up   · of R204.6k cap

    Top 3 actions

    Ranked by rand impact

    1. Build the emergency fund to 3 months

      Move R2,000/month into a money-market account.

      R2,000per month

    2. Top up the RA by R26,000 before 28 Feb

      Claimed back on assessment at your 39% rate.

      R10,140back from SARS

    3. Refinance the car loan or pay R1,500 extra

      R140k outstanding, interest cut over the term.

      ~R18,400interest saved