Budget & Debt Calculator

See where your money goes each month

Enter three amounts and your estimate appears straight away. Nothing you type is sent anywhere unless you submit a form, and a consultant confirms your numbers with you.

Use monthly amounts in Rand. Leave a box blank if it does not apply.

Monthly take-home pay

What lands in your account after tax.

Monthly living costs

Everyday costs only, not loan or credit repayments.

Monthly debt repayments

What you pay each month, not the total you owe.

Not sure what to include?

Living costs

Food and clothing
Rent or bond
Water, electricity and rates
Insurance
Transport
Medical costs
Phone and internet
Security
School fees
Maintenance

Debt repayments

Home loan
Vehicle finance
Credit cards
Store cards
Furniture accounts
Overdraft
Personal loans

Count each amount once. If your bond payment is in debt repayments, leave it out of living costs.

Your estimate

Enter your take-home pay and your living costs or debt repayments to see what is left each month.