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MW-65 Mission briefing · South Africa · crew of one

Plot your flight to retirement.

Budget, retirement and tax on your own numbers. Free, private, no salesman and no product to sell you — just the flight path, and the burn that gets you to orbit.

▶ Try the demo Start with your own numbers
T-minus to age 65 · example crew27Y 000D 00:00:00
ThrustR5,000/mo
AltitudeR610k
Target orbitR8.6m
TRAJ. MW-65 / CREW: YOU BURN R5,000/MO → R7,200/MO ● LIVE PROJECTION EMERGENCY MOON1.1 MO → 3 MO HOUSE PLANETBOND R1.48M RETIREMENT ORBITR8.6M · AGE 65 AGE 38 45 55 65
Flight systems · 06 online

Everything the flight needs

Six instruments, one cockpit. Each one reads your numbers — not an average, not a sales funnel.

SYS-01 · Budget

Fuel budget

Every rand of the take-home, accounted for. Finds the surplus you can burn.

SYS-02 · Retirement

Orbit planner

Projects your RA to 65 and tells you the burn that reaches 75% of income.

SYS-03 · Tax

Re-entry: tax

RA and TFSA limits tracked against the tax year, so SARS pays some back.

SYS-04 · Net worth

Altimeter

Assets minus debts, year on year. Watch the altitude climb.

SYS-05 · Emergency

Emergency moon

Months of spend in cash. The life-support reserve every flight needs.

SYS-06 · TFSA

Tax-free booster

R46,000 a year that grows tax-free forever. We show what is left to use.

Onboard screens · demo crew

Cockpit view

The real app, illustrated with an example household earning R62,000 a month.

FUEL BUDGET · OCT

R42,873
take-home after PAYE, UIF & RA
Bond14,200
Car6,800
Groceries6,200
Medical4,800
School4,500
Insurance2,100
Other3,100
SURPLUS R1,173 ▲
Screen 01 / 04

Fuel budget

Your take-home, line by line, against what actually leaves the account.

  • Spend R41,700 of R42,873
  • Surplus R1,173 a month
  • Flags the bond at 33% of take-home

FLIGHT PATH · RA

R6.9m
at 65 · 61% of income
Raise RA to R7,200/mo
closes the R1.7m gap → 75%
Screen 02 / 04

Flight path

Your retirement projection is the trajectory. Change the burn, watch the arc rise.

  • R610k today, age 38
  • R6.9m on current path
  • R8.6m needed for 75%

RE-ENTRY · TAX 2026/27

R10,140
back from SARS if you top up
RA deduction cap
R60k used + R26k top-up of R204.6k
TFSA allowance
R12k of R46k used
DEADLINE 28 FEB
Screen 03 / 04

Re-entry: tax

At a 39% marginal rate every RA rand earns 39c back. The app finds the window.

  • Top up RA by R26,000
  • R10,140 refund
  • R24,000 TFSA room left

ALTIMETER · NET WORTH

R1.32m
assets R2.94m − debts R1.62m
+R130k THIS YEAR
Screen 04 / 04

Altimeter

Everything you own minus everything you owe, tracked every year.

  • R0.61m in 2021
  • R1.32m now
  • Doubled in five years
Launch sequence

Three stages to orbit

Ten minutes on your own numbers. Nothing to buy at the end of it.

01 IGNITION 02 ASCENT 03 ORBIT
01

Ignition

Enter salary, spend and savings. Or fly the demo crew first.

02

Ascent

The budget finds your surplus and your weak spots, in rand.

03

Orbit

Retirement and tax are plotted. You get three burns, ranked by impact.

All systems go

Go for launch

▶ Try the demo Start with your own numbers
● Live · flight report

Mission control

CREW THANDI MOKOENA, 38
JOHANNESBURG · MARRIED · 2 KIDS
FLIGHT TAX YEAR 2026/27 · R62,000/MO GROSS
Overall flight health
▲ Fair

On track with three fixes

Pillar telemetryscore / 100

Spend

✓ Good

Save

▲ Watch

Borrow

✓ Good

Plan

▲ Watch
Savings rate
9.7%
of gross · target 15%▲ Low
Emergency fund
1.1 mo
of spend · target 3–6✕ Weak spot
Debt-to-income
34%
repayments / gross▲ Near limit
Surplus
R1,173
per month▲ Thin
Net worth
R1.32m
+R130k this year✓ Climbing
Retirement
61%
income at 65 · target 75%▲ Short
Fuel allocation · take-home R42,873 / monthhover for detail
    Altimeter · net worth, year-end
    00.5m1.0m1.5m 2021: R0.61m 2022: R0.74m 2023: R0.86m 2024: R1.02m 2025: R1.19m Now: R1.32m 0.610.740.861.021.19R1.32m 20212022202320242025Now
    Flight path · retirement projection
    0R2mR4mR6mR8m 384550556065 Target path: R8.6m at 65 (75% of income), RA R7,200/month Current path: R6.9m at 65 (61% of income), RA R5,000/month Target R8.6m at 65 Current R6.9m at 65 R8.6m gapR1.7m R6.9m R610k
    Current RA R5,000/mo · 61%RA R7,200/mo · 75%
    Fuel window · tax 2026/27✓ Opportunity
    R10,140

    Top up the RA by R26,000 before 28 Feb and SARS returns R10,140 at a 39% marginal rate.

    RA deduction usedcap R204,600 (27.5%)
    R60k used + R26k top-upR118.6k still unused
    TFSA allowanceR46,000 a year
    R12k usedR34k room left
    Top 3 burns · ranked by impact
    1. Build the emergency moon to 3 monthsMove R2,000/month to a money-market account. 1.1 months is the weak spot.
      R2,000/mo
    2. Top up the RA by R26,000 before 28 FebDeductible at 39%. Cap has R144,600 of room.
      +R10,140
    3. Refinance the car loan or pay R1,500 extraR140k outstanding. Cuts the term and the interest.
      ~R18,400