✦ Free · Private · Made in SA

Your money,mirror-polished.

Budget, retirement and tax in one shiny place. No salesman, no product to sell you — just your own numbers, reflected back clearly.

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BudgetRetirementTax & RATFSANet worth

Monthly budget · Thandi

Take-home R42,873 · spend R41,700 · surplus R1,173

Bond

R14,200

Car

R6,800

Groceries

R6,200

Medical aid

R4,800

School fees

R4,500

Insurance

R2,100

Other

R3,100

Retire at 65

61% income replacement

Tax back from SARSR10,140

✦ What it does

Six tools. Zero sales pitch.

Budget

See exactly where R42,873 goes, line by line, every month.

Retirement

Project to 65 and see the gap — and the monthly fix that closes it.

Tax & RA

Find the RA top-up that gets money back from SARS before 28 Feb.

Net worth

House, RA, TFSA and debts on one line that (hopefully) goes up.

Emergency fund

Months of cover, at a glance, with a target you can actually hit.

TFSA

Track the R46,000 annual limit so the tax-free room never goes to waste.

✦ Inside the app

Flip through the screens

Budget

Where the money goes

Budget, honestly

Every rand of R41,700 accounted for, and a surplus of R1,173 you can point somewhere useful.

Screen 1 / 3

Retirement projection

Age 38 to 65

See the gap early

On today's path Thandi reaches R6.9m. Raising the RA to R7,200/month closes the gap to R8.6m.

Screen 2 / 3

Tax & RA

Tax year 2026/27 · marginal 39%

RA cap (27.5%)R204,600

Used so farR60,000

Top-upR26,000

Back from SARS✓ R10,140

Money back from SARS

A R26,000 RA top-up before 28 February returns R10,140 in tax. No adviser required.

Screen 3 / 3

✦ How it works

Three steps. No login wall to look.

Try the demo

Play with Thandi's numbers to see how it all fits together.

Add your numbers

Salary, bond, RA, TFSA. They stay yours — nobody calls you.

Get your report

A health score, three fixes, and the rand value of each one.

Shine a light on your money.

Free. Private. South African. Built on your own numbers.

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Executive summary · tax year 2026/27

Thandi Mokoena's money health

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

Overall health score

Fair

On track with three fixes.

⚠ Fair

Four pillars

Score out of 100 · bar length = score

Spend74✓ Good surplus is thin but positive

Save52✗ Weak 1.1 months emergency cover

Borrow71✓ Good 34% debt-to-income

Plan63⚠ Fair retirement gap R1.7m

Savings rate

9.7%

⚠ Below 15%

Emergency fund

1.1 mo

✗ Target 3-6

Debt-to-income

34%

✓ Under 36%

Net worth

R1.32m

✓ +R130k yr

Retire income

61%

⚠ Target 75%

Cash flow · take-home R42,873

Share of monthly take-home pay

BondR14,200
CarR6,800
GroceriesR6,200
Medical aidR4,800
School feesR4,500
InsuranceR2,100
OtherR3,100
SurplusR1,173

Net worth · R1.32m

Year-end, assets R2.94m less liabilities R1.62m

Retirement projection · age 38 to 65

Projected retirement savings, R millions

Current path (RA R5,000/mo)RA at R7,200/mo

Tax & RA opportunity

R10,140

Top up the RA by R26,000 before 28 Feb and that comes back from SARS (39% marginal rate).

RA cap R204,600 · used R60,000 · TFSA R12,000 of R46,000 used

Top 3 actions

Build the emergency fund to 3 months
Move R2,000/month to a money-market account
1.1 → 3 mocover
Top up RA R26,000 before 28 Feb
Uses unused deduction room
+R10,140from SARS
Refinance car loan or pay R1,500 extra
On the R140k balance
~R18,400interest saved