Tools

Budget calculator

Understanding what you spend your money on is the first step in budget planning. Take control of your finances by using our calculator to help you understand your expenses and see your actual monthly budget.

Your monthly income

Fill in

Net monthly income:
Include your and your partner's total net income from your employer, i.e. after PAYE, pension, medical aid deductions, etc.

Net monthly interest from savings/investments:
Include you and your spouse's or partner's total gross yearly interest earned from savings and/or investments, then deduct the associated tax and divide by 12.

Net monthly pension or annuity income:

Total other income you receive in a month:

Your monthly essentials

Fill in

Rent or bond/mortage instalment:

Rates and taxes:
if you're not renting

Home maintenance:

Food and groceries:

Medical aid payment:

Car repayment:

Car insurance payment:

Car maintenance:

Household insurance payment:

Life insurance payment:

Your other monthly expenses

Fill in

Electricity:
if this is separate from your rent or rates and taxes in the previous step

Water:
if this is separate from your rent or rates and taxes in the previous step

Petrol/Diesel:

Public transport:

Fibre/internet:

Cellphone contracts/airtime/data:

School fees:

Cleaning/childcare:

Netflix, DSTV, Showmax, movies and other entertainment:

Takeaways/restaurants:

Hobbies:

Shopping and gifts:

Other expenses:

Your results

Your total monthly income
Your total monthly expenses
Your monthly disposable income
Your disposable income percentage

You should always speak to a qualified financial planner before making any significant money decisions. The results provided by these calculators do not constitute legal or financial advice and are used at your own risk.

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