Step one
Your salary
Everything below — your budget's available cash, your estimated tax liability, your savings runway — is calculated from this. Update it any time your pay changes.
Monthly
Budget
Plan each category against your take-home pay, then log what actually went out.
Categories
Category
Planned
Spent
Left
Reference: the 50/30/20 split
A common guide for take-home pay — needs, wants, then savings & debt.
Tax year: 1 Mar – 28 Feb
Tax tracking
Compare what SARS has already deducted through PAYE against your estimated full-year liability.
Long game
Emergency fund & wealth building
Two goals, tracked side by side: a safety net sized to your expenses, and whatever you're building beyond it.