Income tax calculatorSave-first budget calculator
Give every rand a job—starting with your future.
Build a complete household budget, provide for the costs people often forget and save before lifestyle spending begins.
Money in
Start with income you can actually use
Gross salaries set the retirement benchmark. Net salaries are the amounts paid into your bank account after payroll deductions. If you are unsure of your net pay, use the income tax calculator first.
Salary income
Other income sourcesBusiness, rental, grants, investments, bonuses and more—entered net of taxR 0
Enter amounts net of tax. Use the money that will actually be available in your bank account. If tax is not withheld when you receive the income, first allow for the tax you expect to pay and enter only the remaining amount.
Pay yourself first
Savings are a commitment—not what is left over.
Retirement contributions already deducted from a payslip count toward the target but are not deducted from bank cash flow again.
Plan your spending
Make the invisible expenses visible
Open each category. Annual amounts are automatically divided by 12 so predictable costs do not become emergencies.
01Home and utilitiesThe cost of keeping your household running.R 10 600/ month
02Food and householdGroceries plus the small household costs that add up.R 4 500/ month
03Transport and vehiclesInclude ownership costs—not only the instalment.R 5 421/ month
04Health and protectionMedical costs and cover that protect your income and family.R 3 900/ month
05Children and educationRegular costs and the annual school-calendar surprises.R 0/ month
06Debt and obligationsEnter required repayments; extra saving comes before lifestyle spending.R 0/ month
07Communication and subscriptionsReview recurring debits that can quietly multiply.R 1 700/ month
08Lifestyle and personalEnjoy your money—after priorities have been funded.R 2 350/ month
09Family, pets and supportMake visible the costs carried for people and animals you care for.R 0/ month
10Annual, irregular and customTurn predictable surprises into monthly provisions.R 525/ month
Your budget review
Your budget has breathing room
Savings are funded first and your planned spending is covered.
Where your bank-account income goes
Payroll retirement saving is shown separately because it happened before net salary reached your bank.
Your spending profile
Monthly equivalent by category
Budget prompts
Your main provisions are included. Review the amounts regularly.
Largest flexible amounts
- Takeaways and convenience foodR 500 / month
- Clothing and shoesR 500 / month
- Restaurants and coffeeR 500 / month
How this budget works
The calculator starts with monthly income available in your bank, funds savings next and then deducts a comprehensive list of expenses. Annual expenses and income are divided by 12. Payroll retirement contributions count toward the retirement benchmark without being deducted from bank cash flow twice.
Principles and assumptions
Save first · spend with purpose- Retirement benchmark
- At least 15% Of combined gross salary, including payroll and additional retirement contributions.
- Budget period
- Monthly Annual and occasional entries are converted to monthly equivalents.
- Payroll saving
- Not double-counted It counts as saving but is assumed to be excluded from net salary received.
- Emergency cover
- Illustrative Current emergency-fund balance divided by essential monthly expenses entered.
- Tax
- Already deducted Net salary is assumed to be after PAYE, UIF and payroll deductions.
- Your information
- Entered in your browser This calculator does not ask you to submit or create an account for your budget.