Free tool

See what your monthly budget is really saying.

Enter broad monthly figures. Nothing is saved unless you choose to ask for help.

Your monthly picture

Money coming in

Take-home pay

What lands in your account each monthAdditional or partner income

Optional. Side income, rental, maintenance

Monthly living costs

Housing

Rent, bond, rates, leviesFood and groceries

Transport and fuel

Fuel, taxi, bus, vehicle running costsElectricity, water, phone and data

School fees and childcare

Fees, creche, aftercare, uniformsMedical and insurance

Medical aid, life, vehicle and home coverOther living costs

Anything essential not listed above

Debt repayments

Total monthly debt payments

Loans, credit cards, vehicle finance, store accountsNumber of credit accountsHow many accounts you repay each month

I use credit for essentialsI am behind on a payment

How to read your result

A positive balance is useful breathing room, but it does not describe your full financial position. A negative balance or repeated use of credit for essentials can signal that repayments are no longer sustainable. If you are behind, contact your providers early and consider independent debt advice.