Financial wellness that pays its way.
Money-Sense gives every member of your team a private, five-minute look at their own budget, and gives you a clear view of take-up, without ever seeing who is using it.
Your people's money worries are already on your payroll.
Most employers already carry the cost of their staff's money worries, whether or not it appears on any report. It shows up as the employee who is at work in body but preoccupied with a debit order that bounced, as a steady stream of requests for salary advances and staff loans, as garnishee orders landing on the payroll desk, as afternoons taken off to deal with creditors, and as the good worker who resigns for a few hundred rand more a month because the household budget simply does not balance.
A five-minute budget check that tells people something useful.
Money-Sense compares what a household actually spends with what a balanced budget looks like for a household of the same income, size and stage of life. Staff enter their take-home pay and their monthly spending across fifteen categories, from housing and transport to debt repayments, savings and retirement. Money-Sense then shows them line by line where they are on track, where they are stretched and what a practical correction would look like. A set of structural warning signs catches the household that looks fine in every category yet still falls short overall.
It then asks the question most budgeting tools never ask: was each overspend a mistake, or a deliberate choice? A family that chooses to spend more on schooling needs a very different conversation from one that has simply drifted into debt, and Money-Sense responds to each accordingly.
The benchmark is not a rule of thumb borrowed from an overseas app. It draws on twenty years of South African household data, beginning with a version first built inside Momentum Multiply in 2004, and was rebuilt in 2026 and checked line by line against research from Stats SA, DebtBusters and Old Mutual. Money-Sense is financial education rather than financial advice: it sells nothing, recommends no product and leaves every decision with the employee.
A private, judgement-free view of their own finances.
Nobody is asked for a name, an ID number, an employee number or a bank login. Staff register with their own email address, which matters a great deal to people who would never discuss their debt with a colleague, let alone with HR. It works as well for the machine operator as for the office manager: it runs in a phone browser with nothing to install, its six income bands run from entry-level wages to R70,000 a month and above, and its tips are plain-language practical steps rather than financial jargon.
Unlimited budget checks
The public version is one report, once. With a company code, your team can run Money-Sense again any time their income or circumstances change: a raise, a new dependant, a new debt.
Every check, saved
Each report is saved to the employee's own account under “My budgets”, so they can look back at where they stood at any point, instead of losing the report the moment they close the tab.
Compare over time
Employees can pick any two of their own past budgets and see exactly what changed, side by side, something the one-off public version cannot offer.
A return through the same channels where stress costs you today.
Staff who understand their own budget are less distracted at work, ask for fewer salary advances and staff loans, are less likely to slide into the cycle of debt that ends in garnishee orders, and take fewer days off to put out financial fires. Each of these carries a real cost in management time, payroll administration and lost output, even where nobody has ever added it up.
Retention is the larger prize. Our view is that a great deal of staff turnover, particularly among skilled and semi-skilled workers, is driven less by career ambition than by a household budget that does not balance, which turns a modest offer from a competitor into an irresistible one. An employee who has brought their finances under control is far less susceptible to that pull, and far more likely to credit the employer who helped them get there.
Visible, measurable, and private. Your HR lead gets an invite-only login that shows how many staff have registered, how many were active, which parts of Money-Sense are used most, and how that changes week by week. For organisations with employment equity, skills development or ESG reporting to do, this is a concrete, documented financial-wellness contribution to point to, at a cost in the region of 0.2% of payroll for an average salary of R20,000.
Loyalty is one of the few advantages a rival cannot copy.
Where margins are thin, work is won on price and competitors are always on the lookout for experienced people, every one of these benefits is amplified. When the price of a job leaves little room for error, the cost of a distracted operator making a mistake, a deadline missed because a key person is absent, or a skilled artisan leaving halfway through a contract falls straight to the bottom line. Competitors who cannot beat a business on quality will often try to beat it on people.
A financially steady workforce is also a safer one. A person preoccupied with money is more likely to cut corners on the factory floor, on site or behind the wheel. Money-Sense is a low-cost way to strengthen the part of your competitive position that sits with your people, and it shows staff that their employer is invested in them beyond the monthly payslip.
Three steps to get started.
We set up your company code
You receive a unique access code, a sign-up link and a QR code (and a branded poster, if you want one) tied to your organisation. There is nothing to install, no system to integrate and no staff list to hand over.
Your team signs up
Share the code in whatever way suits your workforce: a note with the payslip, a WhatsApp message, an intranet post or a poster in the canteen. Each person creates their own account with their own email and the code, so staff can start the same day.
They get ongoing access
For as long as the code is active, everyone who signed up with it keeps unlimited checks, saved history and the compare tool. The code can be renewed periodically, so people who leave your employ lose access quietly without anyone having to be named, and they remain free to keep using their personal account privately.
Simple, per-employee pricing.
A fixed monthly amount linked to headcount, so every member of staff can use Money-Sense at no cost to themselves. Everyone who signs up with your code gets everything described above.
| Team size | Monthly fee | Cost per employee |
|---|---|---|
| 25 staff | R1,000 | R40 |
| 50 staff | R2,000 | R40 |
| 100 staff | R4,000 | R40 |
| More than 100 staff | Contact us for pricing | |
It's R40 per employee per month for any team size, including teams of fewer than 25.
All prices exclude VAT.
You give access. You don't get their answers.
Confidentiality is built into the design rather than offered as a promise.
You see
- How many staff have registered
- How many were active
- Your take-up rate
- Which parts of Money-Sense are used most
- How usage changes week by week
You never see
- Who has registered or who has used it
- Anything a member of staff entered
- Any individual's report or budget
- Figures broken down by department or branch
Any figure based on fewer than ten people is reported only as “fewer than 10”, since small numbers can point to individuals even without names. This is what allows staff to engage honestly with their finances, and it is how Money-Sense meets its obligations to your employees under POPIA.
Money-Sense also works for clients and members.
The same company code works for any organisation that wants to offer Money-Sense to its people: an association, a member group, a club, a professional body, or the clients of an adviser or a financial services firm. The same privacy, the same group-totals view for whoever administers it, and the same R40 per member per month.
A short conversation, then a pilot if it suits.
The most useful next step is a short meeting of around thirty minutes, ideally including the person responsible for HR or staff wellbeing. We walk you through a live budget check, show you what your HR login looks like, and answer any questions on confidentiality and cost. Where it suits, we then agree a pilot with a defined group of staff, so the value can be judged from your own usage figures before any longer commitment.