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Financial education guides
Personal finance in South Africa runs on its own rules: SARS brackets and rebates, Regulation 28, tax-free savings and retirement-annuity limits, estate duty and executor's fees. These guides break those pieces down into short, plain explainers you can read in a few minutes, with worked examples in rands.
They're written in plain language for everyday South Africans getting to grips with their money, and they pair with the calculators in the app, where you can put in your own figures. Everything here is educational. For advice on your situation, speak to a registered financial adviser.
Tool: work out your take-home pay with the income tax calculator.
The two-pot retirement system explained
How the savings, retirement, and vested pots work from September 2024, and the tax on accessing your savings pot early.
TFSA vs retirement annuity
How South Africa's two big tax-friendly savings vehicles differ: tax, access, limits, and Regulation 28.
How much life cover do I need?
The LIFE method: Liabilities, Income replacement, Final expenses, and Education.
2026/2027 SARS tax brackets explained
The income-tax tables, rebates, and the difference between your marginal and effective rate.
What is a TER (total expense ratio)?
What a fund's fees include, and why a small percentage matters a lot over decades.
TFSA contribution limits
R46,000 a year and R500,000 for life, the 40% penalty for going over, and why withdrawals don't give room back.
The retirement annuity tax deduction
27.5% of income up to R430,000 a year, how excess rolls over, and what it saves at your marginal rate.
Unit trusts vs ETFs
Pricing, costs, tax, and which suits a debit order versus a brokerage account.
How big should your emergency fund be?
How many months of expenses to hold, what counts as essential, and where to keep the cash.
Medical aid tax credits
The 2026/2027 amounts, a worked example, and how the credit lowers your tax.
Estate duty and executor's fees
The executor's fee, estate duty of 20% to 25%, the R3.5m abatement, and the spouse exemption.
Your payslip: PAYE, UIF, SDL
What the deductions on a South African payslip mean, and which one isn't actually yours.
How to budget
A simple method: what comes in, where it goes, the 50/30/20 split, and how the app tracks it for you.