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Tax year 2026/27 · Thandi, 38, Joburg
R10,140

back from SARS. Found in 4 minutes.

MaxWealth reads your own numbers - budget, retirement, tax - and shouts the ones that matter. Free. Private. Nobody selling you anything.

Try the demo → Start with your own numbers →
Three tools. One set of numbers.

Budget. Retire. Tax.

R41,700

Budget that adds up

Every rand of Thandi's R42,873 take-home placed. The R1,173 left over is the number to grow.

R6.9m

Retirement, honestly

On today's path: 61% of your income at 65. Target 75% needs R8.6m. We show the R7,200/month that closes it.

39%

Tax you leave behind

At a 39% marginal rate, unused RA room is money SARS keeps. R144,600 of room is still open this year.

Net worth R1.32mEmergency fund 1.1 moTFSA R12k / R46kDebt-to-income 34%Data stays on your side
Inside the app

See the screens

01

Budget

Spend by category against take-home, with the surplus called out in huge type.

Budget · SeptemberTake-home R42,873
R1,173 left
Bond R14,200 Car R6,800 Groceries R6,200 Medical aid R4,800 School fees R4,500 Other R3,100 · Insurance R2,100 Surplus R1,173
Retirement · age 38 to 6561% replacement
R6.9m / R8.6m
Current path R6.9mR7,200/mo RA: R8.6mR610k at 38
Tax · 2026/27Marginal 39%
+R26,000 = R10,140
Used R60,000Top-up R26,000Cap R204,600 TFSA: R12,000 of R46,000 used
How it works

Three moves

01

Type your numbers

Salary, spend, balances. Ten minutes. No bank login, no linking.

02

Get the big three

Budget, retirement and tax scored on one page, with the rand figure beside every fix.

03

Act, then re-check

Do one action, update a number, watch the score move. Nothing to buy, ever.

R0

Costs nothing. Sells nothing. Shows everything.

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Executive summary · Thandi Mokoena, 38 · Johannesburg · 2026/27
68/100

Fair - on track with three fixes

Overall score 68 / 100 - Fair 0100 FAIR
Spend
74
Good
Save
52
Needs work
Borrow
71
Good
Plan
63
Fair
Savings rate
9.7%
Aim 15%
Emergency fund
1.1 mo
Weak
Debt-to-income
34%
Under 36%
Monthly surplus
R1,173
Thin
Replacement at 65
61%
Target 75%
Net worth
R1.32m
Up 11%

Where R42,873 goes

Monthly take-home, spend R41,700, surplus R1,173

  • BondR14,200
  • CarR6,800
  • GroceriesR6,200
  • Medical aidR4,800
  • School feesR4,500
  • InsuranceR2,100
  • OtherR3,100
  • SurplusR1,173

Net worth R1.32m

Assets R2.94m less liabilities R1.62m · year-end, Rm

00.51.01.5 2021: R0.61m2022: R0.74m2023: R0.86m2024: R1.02m2025: R1.19m Now: R1.32m 0.610.740.861.021.191.32 20212022202320242025Now

Retirement: R6.9m vs R8.6m

Projected pot, age 38 (R610k) to 65 · Rm

Current path (61%)RA at R7,200/mo (75%)
0369 384550556065 Target path at 65: R8.6m (75% replacement) Current path at 65: R6.9m (61% replacement) Today, age 38: R610k R6.9mR8.6m Gap R1.7m

Tax opportunity

R10,140

Top up the RA by R26,000 before 28 Feb and that much comes back from SARS at your 39% marginal rate.

Room used: R60,000 of the R204,600 cap (27.5% of R744k). TFSA: R12,000 of R46,000.

Top 3 actions

Ordered by what moves the score most

  1. 1

    Build the emergency fund to 3 months

    Move R2,000/month into a money-market account. 1.1 months is the weak spot.

    R2,000PER MONTH
  2. 2

    Top up the RA by R26,000 before 28 Feb

    Straight back from SARS at 39%.

    R10,140TAX BACK
  3. 3

    Refinance the car loan or pay R1,500 extra

    R140k balance cleared sooner.

    ~R18,400INTEREST SAVED