Start free
Features

Three tools, one way of answering.

Every MaxWealth tool opens on an executive summary: one verdict, a handful of numbers, what they mean, and the next step. Here is what each one does today.

Budget

Where every Rand goes

  • Surplus or shortfall at month-end, from your take-home pay and spending lines.
  • Savings rate against the 15% guideline, and housing against the 30% rule.
  • Capture line by line in the app, or start from a seven-number quick start.

See the budget tool →

Retirement

Am I on track — and the two-pot cost

  • An on-track score: the income your pot will pay against 75% of your salary.
  • Your pot at retirement, in today’s Rands, and the monthly gap.
  • What a two-pot savings withdrawal really costs — tax now, and growth given up by retirement.

See the retirement tool →

SARS tax

PAYE and take-home pay

  • PAYE, UIF and take-home on your monthly salary, SARS 2025/26 tables.
  • Effective and marginal rate — what a raise is really worth.
  • One number in: your gross monthly salary.

See the tax tool →

Built into every tool

The things that do not change from tool to tool.

Summary first

One verdict, the numbers behind it, what they mean, and the next step — before any detail.

No sign-up

You start as a guest. Your numbers are stored in our database, never in your browser, and you can delete them from Account at any time.

Never a blank page

Until you add your own numbers, a tool shows an example household, clearly marked as an example.

South African

Rand, SARS tables, UIF, two-pot. Built for how money works here.

Calculations, not sales

We never name a fund, policy, card or provider. Nobody pays us to nudge you.

Works on your phone

Every page and every summary is built for a phone screen first.

Ten more tools. Thirteen in all.

Same household numbers as Budget, Retirement and Tax. Open any of them straight from your profile.

Household money

Tax-free savings

How to use your R46 000 a year tax-free allowance, and what it grows to: slide your age, monthly amount and growth and watch contributions and growth stack up to retirement.

Open TFSA →

Debt payoff

Snowball versus avalanche on your actual debts.

Plan my payoff →

Emergency fund

How many months your savings would carry you.

Check my cushion →

Property & finance

Bond affordability

What you can borrow at prime, and what it does to your budget.

Check my bond →

Rent or buy

Transfer duty, bond and running costs against rent plus the deposit invested: the year buying pulls ahead.

Compare rent and buy →

Transport

Car: cash, finance or lease

Cash, bank finance, a balloon or a lease on one graph: which costs least once interest, fees and resale are counted.

Compare the four ways →

Electric or hybrid car

The extra price against the fuel and servicing it saves: the year and the kilometre it pays for itself.

Compare my car →

Electricity & solar

Solar break-even

Your installer’s quote against the electricity it saves: the year solar pays for itself.

When does solar pay? →

Heat pump or solar geyser

Hot water is about 40% of the bill. See when a heat pump or solar geyser beats an electric one.

Compare my geyser →

Water

Rainwater tank or borehole

Municipal water against a tank or a borehole, at published SA tariffs: the year it pays for itself.

Compare my water →