Step 1 — Your Monthly Income
Enter your average monthly take-home income (after tax). If your income varies, enter a typical month.
💰 Income Sources
| Income source | Monthly amount (R) | |
|---|---|---|
| 💼 | Salary / wages (take-home after tax) | |
| 🏠 | Rental income | |
| 💻 | Freelance / side income | |
| 👨👩👧 | Spouse / partner income (household contribution) | |
| 📈 | Investment / dividend income | |
| 📦 | Other income |
Total monthly income
R0
Step 5 — Your Investment Goal
Tell us what you want to achieve with the money you save. We'll show you exactly how to get there.
💡 Not sure which return to choose? Most JSE equity ETFs have averaged 12-16% per year over the past 10 years. Start with 12% as a reasonable baseline.
Where Your Money Goes
Needs vs Wants
Month-by-Month Comparison
See how your spending changed across the 3 months you entered.
Category Breakdown — 3-Month Average
Your average monthly spending in each category, ranked from highest to lowest.
Your Personal Savings Plan
Based on your 3-month spending average, here is how much you could free up to invest.
R0
available to invest each month
What to Cut — and by How Much
These are your non-essential spending categories. Drag the sliders to decide how much you are willing to cut. The savings plan updates in real time.
If You Invest These Savings — What Will You Have?
R0
Your Personal Action Plan
Ready to Start Investing?
Become a Future Planner member to access our ETF Explorer, portfolio tracker and TFSA calculator — and start investing your savings from as little as R50/month.