Beginner
Budget Planner
Give your income a plan. See what goes to everyday expenses, debt and savings each month.
Explore tool: Budget PlannerYour money, in focus
Find your next step with money
Start with a budget, a savings goal, or the question on your mind. Explore all 15 tools below; every active membership includes the complete toolkit.
Your toolkit
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Experience labels guide you; they never limit access.
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Beginner
Savings goals
Choose what you are saving for, see your progress and explore how contributions could move the date.
Explore tool: Savings goalsBeginner
Net Worth Tracker
Bring what you own and what you owe into one clear view, then track your net worth over time.
Explore tool: Net Worth TrackerBeginner
Investment risk profile
Reflect on your timeframe, experience and comfort with losses through an educational questionnaire.
Membership access: Investment risk profileDebt and Major Purchases
Beginner
Debt Payoff Planner
Put your debts in one place and compare paying the smallest balance or highest interest rate first.
Explore tool: Debt Payoff PlannerIntermediate
Vehicle Finance Calculator
Compare the monthly payment and total cost of financing a vehicle, including a deposit, fees and balloon payment.
Membership access: Vehicle Finance CalculatorIntermediate
Bond Calculator
Explore a home loan, see its interest cost and compare what extra monthly payments could change.
Membership access: Bond CalculatorTax and Business
Beginner
PAYE and UIF estimate (SA)
Explore monthly income tax and UIF from your income and selected tax year. Check the assumptions against your payslip.
Membership access: PAYE and UIF estimate (SA)Advanced
Capital Gains Tax (SA)
Explore a South African capital gains tax estimate for individuals, companies and trusts.
Membership access: Capital Gains Tax (SA)Intermediate
Business check-in
Compare business income, costs and your cash buffer. Use the educational health score to guide your monthly review.
Membership access: Business check-inRetirement and Investing
Advanced
Retirement Planner
Bring your retirement accounts together and compare projected savings with the income you would like in retirement.
Membership access: Retirement PlannerAdvanced
Retirement income outlook
Explore how long your retirement savings could last as income, returns, fees and inflation change.
Membership access: Retirement income outlookInsurance and Estate
Advanced
Life cover needs
Explore the resources your family may need if you die, and compare them with the cover and assets you enter.
Membership access: Life cover needsAdvanced
Disability income needs
Explore an income gap if disability prevents you from working, including waiting periods and additional costs.
Membership access: Disability income needsAdvanced
Estate costs and liquidity (SA)
Estimate estate duty and administration costs, then compare them with the money available to cover them.
Membership access: Estate costs and liquidity (SA)No tools match these filters
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Use fictional examples to understand a tool, then move to your own private figures when the topic becomes relevant.