Step 1 — Your income
What's your gross monthly salary?
Enter your salary before deductions. We'll estimate your PAYE and UIF using the 2026/2027 SARS tax tables to work out your monthly take-home pay, then split that using the Needs / Savings / Investments / Insurance / Wants guideline.
Estimate only, based on 2026/2027 SARS tax tables for a taxpayer under 65 with no other deductions besides RA contributions (e.g. medical aid credits not included). RA contributions reduce your taxable income (up to 27.5% of remuneration, capped at R350,000/year). Your RA amount is deducted before your take-home pay, then added straight back into the Investments category below — so your budget split is based on your take-home pay plus your RA contribution. Your actual take-home pay may differ — check your payslip for the exact figure.
Step 2 — Your ideal split
Step 3 — Track your monthly spend
Enter what you currently spend each month in each category to see how it compares to your ideal split.
Quick-add a spend
Type what you spend money on, the amount, and how often — we'll work out the monthly total and place it in the right category for you.