MoneyZap Open the app →

Financial education guides

Plain-language guides to South African personal finance

Short, jargon-free explainers to help you understand the building blocks of personal finance. These are educational — for advice on your situation, speak to a registered financial adviser.

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 explained — 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.