Most tools show where your money went. Money Sense goes further: it benchmarks your household's expenses against an evidence-based ideal for your income and life stage, then - when something's over the line - asks the one question no budgeting app asks. Did you mean to?
No name, ID number or bank connection, ever - just your household's own numbers. You'll see your report in about five minutes, and can download it before you close the tab.
Every category is checked against an ideal budget for your income band, household composition and region, not a flat percentage split that ignores who you actually are.
Overspending on something isn't automatically a problem. Money Sense asks whether it was a mistake or a choice, and responds differently depending on the answer.
No bank connection, no name, no ID number. Just your own numbers, in and out in about five minutes.
Your income, household makeup, and roughly what you spend across about twenty categories.
We build the budget a household exactly like yours should have, a floor and a ceiling for every category.
Every category comes back GREEN, OFFSET or ADDRESS, not a vague chart you have to interpret yourself.
For anything over the line, decide for yourself: was that a slip, or a choice, and see what changes either way.
Money Sense isn't a weekend build. It's twenty years of real household data, and this year I checked it line by line against Stats SA, DebtBusters and Old Mutual's own research.
Money Sense never asks for your name, ID number, email address or phone number, and it never connects to a bank account. It only ever sees the numbers you type in yourself.
We do securely store the answers you give — your household's numbers and the resulting report — so we can keep improving Money Sense. Nothing in that record identifies you: no name, contact details or bank connection is ever collected, and no entry can be traced back to who submitted it.
Money Sense benchmarks and informs; it doesn't replace, and isn't, personalised financial advice.