Questions, answered.
The short version: free while in beta, no sign-up, and we calculate — we never recommend a product.
Is MaxWealth financial advice?
No. We calculate; we never name a financial product. MaxWealth works out what your numbers mean — it never recommends a fund, retirement annuity, policy, loan, card or provider. MaxWealth is not an authorised financial services provider. For advice on what to buy, speak to an authorised financial adviser.
What does it cost?
Nothing — MaxWealth is free while in beta. No card is asked for. See Pricing.
Do I need to sign up?
No. You start as a guest and your numbers are stored in our database against your guest session - nothing is kept in your browser. Registering is optional, and only needed if you want your numbers on another device.
Who is Thandi?
Thandi, 38, is our made-up example household. Every tool shows her numbers until you add your own, so you never land on a blank page. Her figures are clearly labelled as an example.
What happens when I press “Now do it with your numbers”?
The short form sends only the numbers you typed to the MaxWealth app, which saves them to your guest session and shows your own executive summary. Nothing else about you is collected.
What do you store about me?
A random identifier in a cookie, and the numbers you enter, stored in our database. No name, ID number or bank login. You can delete all of it yourself from Account in the app. See Privacy.
How is the two-pot withdrawal cost worked out?
We tax the savings-component amount at the marginal rate on your salary, on the SARS 2025/26 tables, and show what that same money would have grown to by your retirement age at 4% a year after inflation.
Which tax tables do you use?
The calculators on this site use the SARS 2025/26 individual tax tables with the rebates for your age. The tax page in the app uses 2026/27 and adds the medical scheme fees credit, the additional medical expenses credit and retirement annuity deductions, with a What-if for what a medical bill or RA top-up really costs after tax.
Can I trust the numbers?
They are estimates built on stated assumptions, which each tool lists under “How we calculate it”. They are a starting point for a decision, not a guarantee.