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Free · private · South African

Build your money city, block by block.

Budget, retirement and tax as one living little city. See what is standing tall, what is under construction - and which tank is running dry.

Try the demo → Start with your own numbers
No salesmanNo product to sell youYour numbers stay yours

Every part of your money gets a building.

Six districts · one map

Budget house

Every rand of take-home gets a room. Spot the leak before month-end does.

Retirement tower

See how tall it will be at 65 - and how many floors a bigger RA adds.

Tax office

SARS 2026/27 brackets, RA deduction cap and TFSA limits, worked out for you.

Emergency tank

Months of spending in the bank, shown as water. Aim for 3 to 6.

TFSA park

Tax-free growth, R46,000 a year. We track the lifetime cap too.

Net-worth hill

Assets minus debts, year by year. Watch the hill grow.

The app, from above.

Phone · laptop · same numbers

09:41Budget

October budget

R1,173
left after R41,700 spend
BondR14,200
CarR6,800
GroceriesR6,200
Medical aidR4,800
School feesR4,500
InsuranceR2,100
OtherR3,100
MaxWealth · RetirementAge 38 → 65

On track for R6.9m · 61% of income

R8.6mR6.9m
RA at R7,200/mCurrent path
09:41Tax

RA top-up

R10,140
back from SARS if you add R26,000 by 28 Feb

RA cap used: R60,000 of R204,600

TFSA: R12,000 of R46,000

Marginal rate39%
PAYE / monthR13,950

Take the tour.

Use the arrows

Three steps to your own city.

1

Lay the ground

Enter salary, spending and what you own and owe. Ten minutes, rough is fine.

2

Watch it build

MaxWealth raises the buildings: budget, tower, tax office, tank.

3

Fix the weakest block

Get a ranked list of moves with the rand impact of each.

Your city is waiting.
Nobody is selling you anything.

Try the demo →Start with your own numbers

Executive summary · tax year 2026/27

Thandi Mokoena's money city

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

Build yours

Overall health

Out of 100

Score 68 / 100 68 0100

! Fair on track with three fixes

Four pillars

Each out of 100 - the bar plus the label tell the story

Spend74 ✓ Good
Save52 ✕ Weak
Borrow71 ✓ Good
Plan63 ! Watch
Emergency fund
1.1 mo
✕ Weak - target 3-6
Savings rate
9.7%
! Watch - aim 15%
Debt-to-income
34%
! Watch - under 36%
Monthly surplus
R1,173
! Thin - 2.7% of take-home

Where take-home goes

R42,873 a month after PAYE, UIF and RA

Net worth

Year-end, R millions - assets R2.94m less debts R1.62m

00.51.01.5

Retirement projection

Age 38 (R610k) to 65 - target 75% income replacement needs R8.6m

Current path - R5,000/m RA → R6.9m (61%)RA at R7,200/m → R8.6m (75%)

Tax office · RA opportunity

R10,140

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

RA deduction used: R60,000 of R204,600 cap (27.5%)

TFSA used: R12,000 of R46,000

Marginal rate 39%

Top 3 actions

Ranked by what they are worth to Thandi

  1. 1
    Fill the emergency tank to 3 months
    Move R2,000/month to a money-market account. From 1.1 to 3 months in about 3 years.
    +R2,000/m
  2. 2
    Top up the RA by R26,000 before 28 Feb
    Uses unspent deduction room at a 39% marginal rate.
    R10,140 back
  3. 3
    Refinance the car loan or pay R1,500 extra
    R140k balance cleared sooner.
    ~R18,400 saved