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{{ sm.monthly.status }}Monthly plan · {{ sm.mName }}
{{ sm.monthly.headline }}
{{ sm.monthly.guidance }}
Income for your budget{{ sm.inUsualF }}
Monthly expenses{{ sm.monthly.expensesF }}
{{ sm.monthly.resultLabel }}{{ sm.monthly.availableF }}
{{ sm.keptInF }}/month kept aside. Excluded from this plan.
What you earn
{{ i.name }}{{ i.label }}
{{ i.amountF }}Add salary and side incomes to get started.
What your month costs
BasicsEssentials + current debt payments
{{ sm.monthly.basicsF }}LifestyleOptional spending + unsorted budget
{{ sm.monthly.lifestyleF }}Available for goalsAfter monthly expenses
{{ sm.monthly.freeF }}Put your spare money to work
{{ sm.monthly.allocationNote }}{{ sm.monthly.debtBudgetNote }}
Upcoming payments{{ sm.dueSub }}
{{ sm.dueWarn }}
{{ c.dateF }}
{{ c.name }}{{ c.src }} · {{ c.status }}
{{ c.amtF }}{{ sm.stale }}
Income for budget{{ sm.inUsualF }}
Monthly expenses{{ sm.monthly.expensesF }}
{{ sm.monthly.resultLabel }}{{ sm.monthly.availableF }}
{{ sm.monthly.debtBudgetNote }}
Income
Choose which income pays for this budget. Kept-aside income stays separate.{{ i.n }}
{{ i.name }} Primary
{{ i.amtF }} a month
No income yet. Upload a statement or add your income.
Pays for expenses {{ sm.inUsualF }}Kept aside {{ sm.keptInF }} a month
{{ sm.mName }} budget
{{ sm.spentSub }}. Tap a line to see its payments.BudgetedSpentBalance
{{ g.label }}{{ g.bF }}{{ g.aF }}{{ g.balF }}
Payments to people show only a name. Pick a category once per person and the app remembers. Start references with RENT, FAMILY, GROCERIES, PETROL, LOAN, SAVINGS or MEDICAL and they sort themselves.
No payments in {{ sm.mName }}.
Total{{ sm.budgetedF }}{{ sm.spentF }}{{ sm.toGoF }} to go
Budget split{{ sm.rule.selected }} · optional guide
{{ sm.rule.note }}
{{ r.label }} · {{ r.pctF }}
{{ r.bF }} / {{ r.tF }} target
{{ r.diffF }}
Payments I've set up
{{ sm.setUpTotF }} a month · counted straight awaySet up a monthly payment in your banking app? Add it here so it counts now, not after two months of statements.
Accounts
Balances decide what Due before payday can cover{{ a.name }}{{ a.balF }}
{{ sm.debt.outcomeLabel }}
{{ sm.debt.freeF }}
{{ sm.debt.owedF }} owed · {{ sm.debt.planPaymentF }}/month in your plan{{ sm.debt.monthsSavedF }}{{ sm.debt.monthsSavedLabel }}
{{ sm.debt.interestSavedF }}{{ sm.debt.interestSavedLabel }}
Want a different finish date?
Choose the month. See what it takes.Monthly payment needed{{ sm.debt.targetPaymentF }}{{ sm.debt.targetNote }}
Some debts need a balance. They are excluded from the projection.
{{ d.name }} · {{ d.sub }}
{{ sm.debt.overBudgetF }}
Adjust your plan{{ sm.debt.stratNote }}
Pay extra towards
{{ sm.debt.capacityF }}/month available after your other budget lines.
{{ sm.debt.unusedLumpF }}
Monthly payment per debt
{{ d.name }}{{ d.whenF }}
{{ sm.debt.minimumNote }}
Next payment · {{ sm.debt.nextMonthF }}
Here’s what to pay
{{ sm.debt.nextTotalF }}Total for {{ sm.debt.nextMonthF }}
Plus {{ sm.debt.lumpF }} as a one-off payment today.
DebtRegularExtra / rolled overPay
{{ d.name }}{{ d.balanceF }} owed · {{ d.rateF }}{{ d.breakdown }}
{{ d.regularF }}{{ d.extraF }}{{ d.totalF }}{{ sm.debt.freeF }}
Add or update your debts below to build a payment plan.
Your way to zero
Projected milestones- {{ p.n }}{{ p.when }}{{ p.title }} paid off{{ p.note }}
View monthly schedulePayments, interest & balances
Tap a month for the full breakdown.
Month{{ h.name }} InterestStill owed
{{ d.paidF }}Paid off
DebtPaidInterestPrincipalBalance
{{ d.name }}{{ d.paidF }}{{ d.interestF }}{{ d.principalF }}{{ d.balanceF }}
{{ sm.debt.assumptionNote }}
Compare payoff pathsCurrent payments vs your plan
┄ Current payments━ Your plan
{{ sm.debt.chart.topF }}
{{ sm.debt.nowLine }}
{{ sm.debt.mineLine }}
{{ sm.debt.baselineNote }}
Your debts
{{ sm.debt.owedF }} total balance · {{ sm.debt.payF }}/month at your current payments
Your wealth projection
What would it take?
Projected by {{ sm.save.goalDateF }}{{ sm.save.atGoalF }}{{ sm.save.onTrackLabel }}
Needed each month to reach {{ sm.save.targetF }}{{ sm.save.requiredF }}
At this contribution, you reach {{ sm.save.targetF }}: {{ sm.save.hitF }}{{ sm.save.capacityF }}/month available in your budget
{{ sm.save.overBudgetF }}
How it could grow
┄ Current budget━ Your scenario┄ {{ sm.save.targetF }} target
{{ sm.save.chart.topF }}
In 5 years{{ sm.save.at5F }}
In 10 years{{ sm.save.at10F }}
You have today{{ sm.save.haveF }}
{{ sm.save.assumptions }}
Emergency fund{{ sm.save.efPct }} of three months’ basics
{{ sm.save.efSavedF }} saved · {{ sm.save.efTF }} target
What you have
{{ r.name }}{{ r.sub }}
{{ r.amtF }}No savings added yet.
{{ r.name }}{{ r.sub }}
{{ r.amtF }}{{ r.gainF }}
No investments added yet.
Edit
EasyEquities: copy your Accounts page and paste it here to update the values.
{{ sm.eeMsg }}
Drop in a statement
Drop in your statements as PDF or CSV (Capitec, Nedbank, MFC, Wise, the Grey card), as many months as you have. Dollar lines are counted in rand. Every line gets a category, transfers between your own accounts are left out, and your income, debts and budgets are rebuilt from what you actually spend.
{{ busy }}
{{ pw.name }} is locked
Nedbank statements open with your ID number. The password unlocks the file here in your browser and is never saved or sent.
That password didn't open it. Try again.
{{ upErr }}
On file
{{ s.name }}{{ s.period }} · {{ s.when }}
{{ s.countF }}
Statements are read here in your browser and never uploaded. Only the transactions save to your account, behind your PIN.
{{ up.countF }} transactions found
{{ up.totalF }} selected · {{ up.flagCount }} flagged for a second look · {{ up.dupCount }} possible duplicates. {{ up.creditsF }}
{{ r.dateF }}
{{ r.desc }}
{{ r.note }}
{{ r.amtF }}
{{ done.title }}
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{{ x.k }}{{ x.d }}
{{ x.line }}