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DWG NO. MW-001 · BUDGET / RETIREMENT / TAX · SCALE 1:1 ZAR

Engineer
your
retirement.

Budget, retirement and tax — drawn to spec from your own numbers. Free. Private. No salesman, no product to sell you. Just the plan, with every load and tolerance marked.

Try the demo → Start with your own numbers →
Tax backR10,140
Gap closes atR7,200/mo
Cost to youR0
TAKE-HOME R42,873 SPEND R41,700 / MONTH BUDGET · OCT 2026 R1,173 SURPLUS BONDR14,200 CARR6,800 GROCERIESR6,200 MEDICAL AIDR4,800 ▲ EMERGENCY FUND 1.1 months TARGET 3–6 MONTHS (1) SURPLUSTRACKED LIVE (2) EVERY RANDHAS A LINE (3) WEAK SPOTFLAGGED DETAIL A R10,140 BACK FROM SARS RA +R26,000
ProjectMAXWEALTH · PERSONAL FINANCE
ClientYOU
Drawn byMAX
CheckedYOUR NUMBERS
FeeR0.00
RevC · 2026-10
SECTION B-B

Exploded view: one month

Your take-home pulled apart into its components. Plate size is the share of the load. Nothing hidden in an assembly.

Bond R14,200 (33%) Car R6,800 Groceries R6,200 Medical aid R4,800 School fees R4,500 Other R3,100 Insurance R2,100 Surplus R1,173 01 BONDR14,200 · 33% 02 CARR6,800 · 16% 03 GROCERIESR6,200 · 14% 04 MEDICAL AIDR4,800 · 11% 05 SCHOOL FEESR4,500 · 10% 06 OTHERR3,100 · 7% 07 INSURANCER2,100 · 5% 08 SURPLUSR1,173 · 3%
General notes — budget assembly
  1. Input load: take-home R42,873 after PAYE R13,950, UIF R177 and RA R5,000.
  2. Largest member: the bond carries a third of the structure.
  3. Tolerance: surplus R1,173 — under 3%. One bad month and it fails.
  4. Fix specified: R2,000/month to a money-market account until the emergency fund reaches 3 months.
Try the demo →
DETAILS 1–3

The screens, to scale

Three of the drawings inside the app. Step through them.

BUDGET · OCTOBER✔ R1,173 surplus TAKE-HOME R42,873 → SPEND R41,700 BondR14,200Medical aidR4,800 CarR6,800School feesR4,500 GroceriesR6,200InsuranceR2,100 OtherR3,100 ▲ Emergency fund 1.1 months — move R2,000/mo to money market
RETIREMENT · AGE 38 → 65 R6.9m · 61% nowR8.6m · 75% at R7,200/mo 385065R9m0
TAX · 2026/27 · MARGINAL 39% RA DEDUCTION: USED R60,000 + TOP-UP R26,000 OF CAP R204,600 Top up R26,000 before 28 Feb+R10,140 back from SARS TFSA: R12,000 OF R46,000 ANNUAL LIMITR34,000 of tax-free room left this year
DETAIL 1 / 3 · BUDGET
SPECIFICATION

What is in the kit

S-01

Budget

Every rand of take-home given a line, with the surplus tracked.

S-02

Retirement

Projection to 65, replacement ratio, and the contribution that closes the gap.

S-03%

Tax & RA

Marginal rate, RA cap headroom and exactly what a top-up gets back.

S-04

Net worth

Assets less liabilities, year on year. Bond, car loan, RA, TFSA, house.

S-05

Emergency fund

Months of spend covered, against a 3–6 month target.

S-06

Private, free

No salesman. No product to sell you. Your numbers stay yours.

SEQUENCE

Build order

01

Survey

Enter salary, spend, debts and savings. Ten minutes.

02

Measure

Health score, four pillars, net worth and tax position computed.

03

Redline

Weak points marked with the rand value of fixing each.

04

Build

Do the top three. Re-measure next month. Watch it rise.

Approved for construction

Draw up your plan.

Try the demo →Start with your own numbers →
SHEET A-02

Financial health — as built

Thandi Mokoena, 38, Johannesburg · married, 2 children · tax year 2026/27 · gross R62,000/month

A1 · Overall health score Health score 68 / 100 68 / 100 0100
▲ FAIR — on track with three fixes
A2 · Pillar scores (0–100)
SPEND
74
✔ Good
SAVE
52
✖ Weak — emergency fund
BORROW
71
✔ Good
PLAN
63
▲ Fair — retirement gap
A3 · Key ratios
Savings9.7%▲ target 15%
Emergency1.1 mo✖ target 3–6
Debt / inc.34%▲ limit 36%
Net worthR1.32m✔ +R130k
SurplusR1,173▲ thin
Marginal39%✔ RA helps
B1 · Cash flow — take-home R42,873 / month Bond R14,200 (33%) Car R6,800 (16%) Groceries R6,200 (14%) Medical aid R4,800 (11%) School fees R4,500 (10%) Insurance R2,100 (5%) Other R3,100 (7%) Surplus R1,173 (3%) BOND R14,200CAR R6,800GROCERIES R6,200 MEDICAL R4,800 · SCHOOL R4,500 · OTHER R3,100INS. R2,100SURPLUS R1,173 ✔ HOVER A SEGMENT FOR DETAIL
B2 · Net worth, year-end (R m) 2021: R0.61m2022: R0.74m2023: R0.86m2024: R1.02m2025: R1.19mNow: R1.32m 1.51.00.5 20212022202320242025NOW 0.61R1.32m
Assets R2.94m − liabilities R1.62m (bond R1.48m, car R140k)
C1 · Retirement projection, age 38 → 65 Target path at R7,200/mo: R8.6m at 65 (75%) Current path at R5,000/mo: R6.9m at 65 (61%) R9mR6mR3m0 384550556065 R8.6m · 75%R6.9m · 61%GAP R1.7mR610k
Current path, RA R5,000/moTarget, RA R7,200/mo
C2 · Redline — tax opportunity
⚠ ACTION BEFORE 28 FEB
R10,140

back from SARS if you top up your RA by R26,000 this tax year (marginal rate 39%).

Used R60,000Top-up R26,000 USED R60k+R26k TOP-UPCAP R204,600
TFSA: R12,000 of R46,000 used · R34,000 room left
D1 · Top 3 actions
  1. Build the emergency fund to 3 months
    Move R2,000/month to a money-market account
    +R2,000/mo
  2. Top up the RA by R26,000 before 28 Feb
    Within the R204,600 cap
    R10,140 back
  3. Refinance the car loan or pay R1,500 extra
    R140k outstanding
    ~R18,400 saved
Title block
REVDATEDESCRIPTION
A2026-03First survey · score 59
B2026-07RA raised to R5,000 · score 64
C2026-10Current · score 68
ClientT. MOKOENA
Drawn byMAXWEALTH
SheetA-02 OF 02
Scale1:1 ZAR