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South Africa · Free · Private

Get yourMNEYin shape.

Budget, retirement and tax on one page, worked out from your own numbers. No salesman. No product to sell you. Nothing to buy.

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Budget to the rand
Retirement in plain rand
Tax you can claim back
Your data, your side
01

Three shapes
of money

Budget

Every rand of a R42,873 take-home placed, and the R1,173 surplus put to work.

Spend vs take-home
R41,700

Retirement

On today's path you retire on 61% of income. The fix is R7,200/month into the RA.

Pot at 65
R6.9m → R8.6m

Tax & RA

At a 39% marginal rate, unused RA room is money SARS keeps. TFSA room too: R24,000 left.

RA room used
R60k / R204.6k
02

The screens

1/3

Health score

One number out of 100, split into Spend, Save, Borrow and Plan.

Thandi · health
68 / 100
SPEND 74 SAVE 52 BORROW 71 PLAN 63 Fair - on track with three fixes
September budget
R1,173 left
Bond 14,200Car 6,800Food 6,200MedicalSchool Spend R41,700 of R42,873
Tax 2026/27
+R10,140
39% Top up RA: R26,000Before 28 FebruarySARS refunds R10,140
03

How it works

Enter your numbers

Salary, spending, balances. About ten minutes. No bank login.

See your score

A health score, four pillars, and the rand value of every fix.

Do one thing

Act on the top fix, update a number, watch the score move.

Nothing to sell you.

  • Free, for good
  • Private - your numbers stay yours
  • No adviser, no commission, no product
Try the demo →Start with your own numbers →
Executive summary · tax year 2026/27

Thandi Mokoena, 38

Johannesburg · married, 2 kids · gross R62,000/month

Fair - on track with three fixes
0-40 Weak 40-75 Fair 75-100 Good Score 68 / 100 68 0100WEAKFAIRGOOD

Spend

Spend 74 / 10074Good

Save

Save 52 / 10052Needs work

Borrow

Borrow 71 / 10071Good

Plan

Plan 63 / 10063Fair
Savings rate
9.7%
Aim 15%
Emergency fund
1.1 mo
Weak
Debt-to-income
34%
Watch
Surplus / month
R1,173
Thin
Income at 65
61%
Target 75%
Net worth
R1.32m
Growing

Cash flow

Take-home R42,873 · 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

One block = R100k · assets R2.94m less debt R1.62m

Retirement pot

From R610k at 38 to age 65 · Rm

Current path - R6.9m (61%)RA at R7,200/mo - R8.6m (75%)

Tax opportunity

R10,140

Top up the RA by R26,000 before 28 Feb. At a 39% marginal rate, that comes straight back from SARS.

RA room: R60,000 used of R204,600 (27.5% of R744k). TFSA: R12,000 of R46,000 used.

Top 3 actions

  1. 1

    Emergency fund to 3 months

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

    R2,000PER MONTH
  2. 2

    Top up the RA before 28 Feb

    R26,000 lump sum into the RA this tax year.

    R10,140BACK FROM SARS
  3. 3

    Refinance the car or pay R1,500 extra

    Clears the R140k car loan sooner.

    ~R18,400INTEREST SAVED