Budget Planner
Build a practical monthly plan for income, essentials, lifestyle, debt, and savings.
Explore this toolComplete Tool Catalogue
Explore Every Tool—From a First Budget to Advanced Planning
All active memberships receive the complete toolkit. Difficulty labels help you choose where to start; they do not restrict access.
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Savings Goals Tracker
Set several goals and test how contributions and returns affect each timeline.
Explore this toolNet Worth Tracker
Understand what you own, what you owe, and how your position changes over time.
Explore this toolRisk Profile Questionnaire
Explore investment risk tolerance through an educational scored questionnaire.
Unlock in membershipDebt and Major Purchases
Debt Payoff Planner
Compare snowball and avalanche strategies across multiple debts.
Explore this toolVehicle Finance Calculator
See monthly repayments, total finance cost, and the impact of a balloon payment.
Unlock in membershipBond Calculator
Estimate home-loan repayments, interest, and the effect of extra monthly payments.
Unlock in membershipTax and Business
SARS PAYE Calculator
Estimate PAYE, rebates, medical credits, retirement deductions, and UIF using verified tax-year rules.
Unlock in membershipCapital Gains Tax (SA)
Estimate taxable capital gains for individuals, companies, and trusts.
Unlock in membershipBusiness Health Tool
Review revenue, expenses, cash buffer, debt, payroll, and monthly business trends.
Unlock in membershipRetirement and Investing
Retirement Planner
Model several investment accounts, contributions, inflation, and retirement-income goals.
Unlock in membershipRetirement Income Sustainability
Explore how drawdown, returns, fees, and inflation affect capital longevity.
Unlock in membershipInsurance and Estate
Death Needs Analysis
Estimate an educational life-cover shortfall or surplus for family continuity planning.
Unlock in membershipDisability Needs Analysis
Explore income-replacement gaps, waiting periods, and additional disability costs.
Unlock in membershipEstate Duty and Liquidity
Estimate estate-duty, executor-fee, and liquidity considerations in South Africa.
Unlock in membershipStart simple. Go deeper when you are ready.
Use fictional examples to understand a tool, then move to your own private figures when the topic becomes relevant.