Plan your money with intent.
Compare your spending against the recommended 40/10/20/10/20 budget split — and find out where to redirect rands towards savings or debt reduction.
Inputs
Build your monthly budget
Use net (take-home) income. We compare each category to the recommended South African 40/20/20/10/10 split.
Budget Calculator South Africa
A simple budget framework used by many South African advisors: 40% needs, 10% wants, 20% savings, 10% debt, 20% transport. Use it as a sanity check before tackling savings or debt.
Frequently asked questions.
What is the 40/10/20/10/20 split?
A guideline that allocates 40% of net income to needs, 10% to wants, 20% to savings and investments, 10% to debt repayment, and 20% to transport. It is a starting point — adjust to your situation.
Should I budget on gross or net?
On net (take-home) income — the amount that actually lands in your bank account. Use the Take-Home Pay Calculator if you only know your gross.
Related calculators and services.
Numbers are a start. Advice is the next step.
Lebon Consulting (FSP No. 52013) helps clients turn calculator outputs into properly structured insurance, retirement and investment decisions — on the record.