Simple tools for everyday money decisions.
No sign-up, nothing stored, and every figure shown on screen as you move the sliders.
How much should I spend?
Enter your take-home pay and a few details about your household, and see an ideal amount for each part of your budget.
Open →Loan calculatorWhat will my bond or car cost me?
Slide the price, deposit, interest rate, term and balloon to see the monthly instalment and what you pay in total.
Open →Savings calculatorWhat could my savings grow to?
See what a monthly saving could be worth after 12, 20 and 30 years, with yearly increases and an optional view in today's money.
Open →Debt payoff plannerHow fast can I clear my debt?
Compare paying the most expensive debt first with paying the smallest first. See your debt-free date and the interest you save.
Open →Two-pot calculatorWhat does a withdrawal really cost?
See the tax on a savings-pot withdrawal, what lands in your account and what it costs your retirement in today's money.
Open →Payslip explainerWhat are all these deductions?
Type in your payslip lines and see what each one means, how much of your pay it takes and whether UIF and PAYE look right.
Open →Annual costs plannerHow do I plan for yearly bills?
Turn licence discs, school uniforms, excesses and December into one steady amount to set aside each month.
Open →Increase and bonus allocatorWhat should I do with a raise or bonus?
Decide in advance how much of your next increase or bonus goes to savings, before it reaches your account.
Open →Emergency runwayHow long could my savings last?
See how many weeks of essential costs your emergency savings would cover, and what it takes to reach three or six months.
Open →Funeral policy checkAm I paying for the same cover twice?
List every funeral policy you hold. See total cover against total premium and where policies overlap.
Open →Stokvel trackerWhat does my stokvel really pay out?
Follow your contributions and payout month, see your position month by month and what counts as savings.
Open →FSP valuation calculatorWhat is an advice practice worth?
For financial advisers and practice owners. See sustainable earnings, an adjusted multiple and an indicative value range, built with FI Consult.
Open →Questions and plain-language help
25 money questions, answered
Plain answers to the questions South Africans ask most about budgeting, saving, debt and retirement.
Open →Jargon translatorWhat does that word mean?
Prime rate, initiation fee, balloon payment, two-pot and more, explained in everyday language.
Open →Financial education, not financial advice. Money-Sense does not recommend any product and nothing here is personalised advice. Results depend on the figures you enter and on assumptions that can change. Speak to an authorised financial services provider before you make a financial decision.
Want the full picture? The Money-Sense budget check takes about five minutes and compares your whole budget with an evidence-based ideal.