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Your money,
moulded into shape.

Budget, retirement and tax for South Africans - squeezed into one friendly app. Free, private, no salesman. Just your own numbers.

Try the demo Start with your own numbers
R0Free, always ✓Private by design ×No product to sell you
Everything in one lump

Six things your bank app won't tell you.

Budget

See where R41,700 a month really goes, category by category.

Surplus R1,173

Retirement

Will you have enough at 65? A straight answer, and the fix.

R6.9m → R8.6m

Tax & RA

Find the RA top-up SARS pays you back for, before 28 Feb.

Save R10,140

Net worth

House, RA, TFSA, car, bond - one number that keeps growing.

R1.32m

Emergency fund

How many months could you last? Most people guess wrong.

1.1 of 3 months

TFSA

Track your R46,000 yearly limit so growth stays tax-free.

R34k room left
October budget

R1,173 left over

Take-home
R42,873
after PAYE R13,950 · UIF R177 · RA R5,000
BondR14,200
CarR6,800
GroceriesR6,200
Medical aidR4,800
School feesR4,500
InsuranceR2,100
OtherR3,100
Tip: move R2,000/m to a money-market account.
Retirement at 65

61% of your income

3865
Now pathR6.9m
TargetR8.6m
Fix: lift your RA from R5,000 to R7,200 a month to reach 75%.
Tax year 2026/27

SARS owes you a refund

Top up your RA by R26,000
+R10,140
back at your 39% marginal rate
RA deduction used
R60,000 of R204,600 cap
TFSA used
R12,000 of R46,000
Deadline: 28 Feb
Screen 1 of 3

Budget that squishes back.

Every rand of Thandi's R42,873 take-home, laid out as chunky bars you can actually read.

  • ✓Works on your own numbers - no bank login needed
  • ✓SARS 2026/27 tables built in
  • ✓Nothing to buy, no adviser calling you
How it works

Three squeezes to a plan.

1

Pop in your numbers

Salary, spend, savings, what you own and owe. About ten minutes.

2

Get your score

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

3

Do the top three

Three fixes, each with a rand amount, ranked by what they are worth to you.

Get a grip on it.

Play with Thandi's numbers first, or go straight to yours. Free, private, and nobody will try to sell you anything.

Try the demo Start with your own numbers
TM

Thandi's money check-up

Thandi Mokoena · 38 · Johannesburg · married, 2 kids · tax year 2026/27

Overall health

Fair - on track with three fixes

!Fair

Spend

Bills paid, small surplus

✓Good

Save

Emergency fund 1.1 months

×Needs work

Borrow

Debt repayments 34% of gross

✓Good

Plan

Retirement 61% vs 75% goal

!Fair
Savings rate
9.7%
!Below target 15%
Emergency fund
1.1 mo
×Low target 3-6
Debt-to-income
34%
✓OK under 36%
Monthly surplus
R1,173
!Thin 2.7% of pay
Net worth
R1.32m
✓Up +R130k this year
TFSA used
R12k
of R46,000 limit

Where the take-home goes

    Net worth, year-end

    Assets R2.94m - liabilities R1.62m (bond R1.48m, car R140k)

    Retirement projection, age 38 to 65

    Current path (RA R5,000/m)Target path (RA R7,200/m)

    Tax & RA opportunity

    +R10,140

    back from SARS if you top up your RA by R26,000 before 28 Feb.

    Marginal rate 39%. RA cap is 27.5% of R744,000 = R204,600; you have used R60,000.

    R86,000 of R204,600 after the top-up

    Model it in the demo

    Top 3 actions

    1

    Build the emergency fund to 3 months

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

    +R24,000 a year saved
    2

    Top up RA R26,000 before 28 Feb

    Uses unused deduction at your 39% rate.

    R10,140 back from SARS
    3

    Refinance the car loan, or pay R1,500 extra

    Clears the R140k loan sooner.

    ~R18,400 interest saved