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Plate I · A natural history of money

Wealth is grown, not sold to you.

Pecunia crescens — the growing of money, from seed to shade.

MaxWealth tends your budget, retirement and tax on your own numbers. Free, private, and there is no salesman in this garden — nothing to sell you, only something to grow.

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PECUNIA CRESCENS ex semine ad umbram · Johannesburg, MMXXVI Fig. 1Semen · first R500 Fig. 2Plantula · buffer Fig. 3Arbor juvenis · TFSA Fig. 4Arbor matura · retirement at 65 a. fructus — R8.6m b. truncus — R1.32m c. radix — budget
Plate I. Pecunia crescens, in four ages.Engraved for MaxWealth · drawn from life
Tabula II

Six specimens, one garden

Each part of your money, catalogued and measured — on your figures, never an average.

Radix budgetaria

Budget

The roots. Every rand of take-home traced to where it goes.

Arbor senectutis

Retirement

Projects your RA to 65, and how much more water it needs to fruit.

Folium redditum

Tax

The leaf returned. RA and TFSA limits, so SARS gives some back.

Truncus annularis

Net worth

Count the rings. Assets less debts, one ring every year.

Semen subsidii

Emergency fund

The seed kept back. Months of spend in cash, for the dry season.

Flos liber

TFSA

The tax-free flower. R46,000 a year that never pays tax again.

Tabula III

Pressed from the app

Specimens of the real screens, shown with an example household on R62,000 a month.

Budget · October
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
Specimen 1 of 4

Radix · the budget

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

Spend
R41,700 a month
Surplus
R1,173
Largest root
Bond, 33% of take-home
Retirement projection
R6.9m
at 65 · 61% of income
Raise RA to R7,200 a month
closes the R1.7m gap → 75%
Specimen 2 of 4

Arbor · retirement

From R610k at 38 to the canopy at 65. Change the watering, watch the curve rise.

Today
R610,000
Current path
R6.9m · 61%
Needed
R8.6m · 75%
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
Before 28 February
Specimen 3 of 4

Folium · tax

At a 39% marginal rate, every rand into the RA brings 39c back.

Top-up
R26,000
Refund
R10,140
TFSA room
R24,000
Net worth
R1.32m
assets R2.94m less debts R1.62m
+R130k this year
Specimen 4 of 4

Truncus · net worth

A new ring each year: everything you own, less everything you owe.

2021
R0.61m
Now
R1.32m
Growth
more than doubled
Methodus

The method of cultivation

Ten minutes of planting. No seed catalogue to buy from at the end.

I.

Sow

Enter salary, spending and savings — or walk the demo garden first.

II.

Tend

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

III.

Harvest

Retirement and tax are projected. You get three actions, ranked by rand.

Ex libris · begin your plate

Plant the first seed today.

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Herbarium · Sheet No. 2026/27

A study of one household’s financial health

Herbarium MaxWealth Collector: Thandi Mokoena, 38
Locality: Johannesburg, Gauteng
Habit: married, two children
Season: tax year 2026/27 · R62,000/mo gross
Fig. 1

Overall vigour

Overall health 68 / 100 68 0100
⚠ Fair

On track with three fixes.

Fig. 2 – 5

The four pillars, measured as growth

Each specimen drawn to scale against a ruler of 100.

Savings rate
9.7%
of gross · aim 15%⚠ Low
Emergency fund
1.1 mo
of spend · aim 3–6✗ Weak
Debt-to-income
34%
repayments / gross⚠ Near limit
Surplus
R1,173
per month⚠ Thin
Net worth
R1.32m
+R130k this year✓ Growing
Retirement
61%
income at 65 · aim 75%⚠ Short
Fig. 6

Where the take-home goes · R42,873 a month

    Fig. 7

    Rings of the trunk · 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
    Fig. 8

    Growth to maturity · retirement projection

    0R2mR4mR6mR8m 3845505560age 65 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 Current R6.9m R8.6m needed gap R1.7m R6.9m on course R610k today
    Current RA R5,000/mo · 61%RA R7,200/mo · 75%
    Nota bene

    The leaf SARS returns

    R10,140

    Top up the RA by R26,000 before 28 February — deductible at a 39% marginal rate.

    RA deduction usedcap R204,600 (27.5% of R744k)
    R60k used + R26k top-upR118.6k unused
    TFSA allowanceR46,000 a year
    R12k usedR34k room left
    Cultura

    Three things to do this season

    1. Build the emergency fund to 3 monthsMove R2,000 a month to a money-market account. At 1.1 months it is the weak spot.
      R2,000/mo
    2. Top up the RA by R26,000 before 28 FebDeductible at 39%; R144,600 of cap still free.
      +R10,140
    3. Refinance the car loan, or pay R1,500 extraR140k outstanding; shortens the term.
      ~R18,400