Vantage
Net worth {{ nwF }}
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Oct 2026 · tax year 2026/27
October's credit card statement isn't in yet
Anything you paid by card is missing from this picture. Upload it and every line gets sorted into a category.
{{ tm.pulse }}Your net worth {{ tm.whenF }}
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Of every R100 you earn

After side-hustle costs · {{ r100.baseF }} a month
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Income runs out here
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Where it went

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Your five streams
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Net to you each month, after tax at source and running costs.

Your coach

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Goals

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{{ s.rank }} stream
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May–Oct · {{ s.rangeF }}{{ s.steady }}
Tax taken at source{{ s.tSrcF }}
Running costs{{ s.costsF }}
Net to you{{ s.netF }}
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The 50 / 30 / 20 check

Share of your after-tax income. The line marks the guide.
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Where money is leaking

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Budget vs actual

Type a new budget into any row. Everything else updates.
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Every transaction

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{{ t.dateF }} {{ t.desc }} {{ t.src }} {{ t.cat }} {{ t.amtF }}

Drop in a statement

Export a CSV from your banking app's transaction history, or paste the rows below. Every line gets a category, and anything worth a second look gets flagged.
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On file

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Statements stay in this browser. Nothing is sent anywhere.

{{ up.countF }} transactions found

{{ up.totalF }} selected · {{ up.flagCount }} flagged for a second look · {{ up.dupCount }} possible duplicates. {{ up.creditsF }}
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{{ r.amtF }}

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Your payoff plan

Extra towards debt{{ extraF }}
Debt-free by
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{{ dp.soonerF }}than minimums alone ({{ dp.baseF }})
{{ dp.savedF }}less interest · {{ dp.intF }} total
Your plan Minimums only
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What you owe

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OrderDebtBalanceRate %Min / monthInterest / moPaid off
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Emergency fund

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Monthly contribution{{ efMonthlyF }}
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The 50 / 30 / 20 check

Of your after-tax income
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Accounts

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What it's in

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Where it's held

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Holdings

Update values from your broker and share-register statements.
HoldingTypePut inValue nowGrowthMonthly
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Tax-free savings allowance

{{ tfsa.usedF }} used since 1 MarchR46 000 limit
{{ tfsa.leftF }} of room left before 28 February. That's {{ tfsa.perF }} a month to use it all. Growth, dividends and withdrawals in a TFSA are never taxed.

Shares bought directly at IPO

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Estimates use the 2026/27 SARS tables (1 March 2026 – 28 February 2027) and assume you're under 65. Check with a registered tax practitioner before you file.
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How each stream is taxed

StreamGross / yrCostsTaxableHow it's taxed
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Where you sit in the brackets

{{ taxableF }} taxable · {{ margF }} top rate
You
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Ways to pay less, legally

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The calculation

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Tax pot for February
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Key dates

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Your tax checklist

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The big one
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By December
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What if…

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Net worth, next 20 years

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Debt-free · {{ fut.dfF }}
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