Free Tool

Your monthly budget,
calculated instantly

Enter your income and expenses — RandWise calculates your totals, your surplus or deficit, and tells you exactly where your money is going.

💰

Income

R0
Main salary (after tax)
Second income / side hustle
Rental income
🏠

Housing

R0
Rent / bond repayment
Electricity (Eskom / prepaid)
Water
Rates & taxes / levies
Home insurance / contents
🚗

Transport

R0
Car repayment
Fuel / petrol
Car insurance
Taxi / bus / Uber
🛒

Food & Groceries

R0
Groceries (Checkers / Pick n Pay / Woolies)
Eating out / takeaways
Coffee / snacks
👨‍👩‍👧

Children & Family

R0
School fees
Aftercare / extra murals
Stationery / school supplies
Domestic worker / gardener
🏥

Health

R0
Medical aid / hospital plan
Chronic medication
Gym membership
💳

Debt Repayments

R0
Credit card minimum payment
Personal loan
Store accounts (Edgars / Mr Price etc.)
📱

Subscriptions & Data

R0
Cell phone contract / data
Internet / fibre / WiFi
Netflix / Showmax / DStv
Spotify / Apple Music
🌱

Savings & Investments

R0
Emergency fund savings
Tax-Free Savings Account (TFSA)
Retirement annuity (RA)
📋

Other Expenses

R0
Clothing / personal care
Entertainment / outings
Pet food / vet

🎯 Savings Goal Calculator

Enter a goal above

💡 SA Budgeting Tips

Debt repayments should not exceed 30% of your take-home pay. If they do, consider contacting a registered debt counsellor.
The TFSA annual limit is R36,000 (R3,000/month). Any growth inside it is completely tax-free — prioritise this before other investments.
An emergency fund of 3 months' expenses should be your first savings priority before any investment.
If your surplus is negative, look at subscriptions and food first — these are where most South Africans have the most room to adjust.

📊 Your Budget Summary

Total IncomeR0
🏠 HousingR0
🚗 TransportR0
🛒 FoodR0
👨‍👩‍👧 ChildrenR0
🏥 HealthR0
💳 DebtR0
📱 SubscriptionsR0
🌱 SavingsR0
📋 OtherR0
Total ExpensesR0
Monthly Surplus / Deficit R0
Enter your income and expenses to see your budget summary.

This budget planner is for personal planning purposes only. RandWise is not a registered financial adviser. Figures are calculated based on the values you enter and are not verified. For professional financial advice, consult a registered financial adviser.