SA
Wealth
Builder
Budget · Balance Sheet · Allocation Logic
ZAR · 2025/2026 Tax Year
Progressive Brackets Applied
01 · Income & Budget
02 · Balance Sheet
03 · Allocation Logic
04 · Wealth Milestones
Income
Gross Monthly Salary
Age Category
Under 65
65 to 74
75 and over
Other Monthly Income
side income, rental, etc.
Budget Allocation (% of Net)
Essential Expenses
Emergency Savings
Investments
Discretionary / Luxuries
⚠ Allocations exceed 100% — adjust to balance
Net Monthly
R0
Effective rate: 0%
Monthly Tax
R0
Marginal: 0%
Total Take-Home
R0
Net + other income
Annual Net
R0
After tax
Monthly Allocation
Capital Deployed Monthly
R0
Emergency savings + investments going to work
2025/2026 SA Tax Brackets
18% → up to R237,100
26% → R237,101 – R370,500
31% → R370,501 – R512,800
36% → R512,801 – R673,000
39% → R673,001 – R857,900
41% → R857,901 – R1,817,000
45% → above R1,817,000
Rebate (under 65): R17,235
Assets — What You Own
Liquid (Cash & Savings)
Description
Value (R)
Return %
+ Add liquid asset
Investments
Description
Value (R)
Return %
+ Add investment
Fixed / Tangible
Description
Value (R)
Apprec. %
+ Add property / vehicle / other
Liabilities — What You Owe
Short-term Debt
Description
Balance (R)
Rate %
+ Add credit card / personal loan
Long-term Debt
Description
Balance (R)
Rate %
+ Add home loan / car finance
Net Worth Summary
Asset Category
Value
Liquid Assets
R0
Investments
R0
Fixed / Tangible
R0
Total Assets
R0
Liability Category
Balance
Short-term Debt
R0
Long-term Debt
R0
Total Liabilities
R0
Net Worth
R0
—
R0
Monthly ΔNW
R0
Annual Projected
Allocation Intelligence
Fill in your balance sheet data to generate logic checks.
Debt-to-Asset Ratio
Leverage ratio
0%
—
Return vs. Cost of Debt
Add assets with return rates and liabilities with interest rates to compare.
Monthly Cash Flow Analysis
Where Your Capital Should Go — Priority Order
Fill income and balance sheet data to generate a capital priority ladder.
Wealth Milestones
Time to Milestones
Wealth Velocity
Calculating…