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Budget Planner
Enter your monthly income and expenses to see how your budget compares to the 50/30/20 rule — adapted for South African income levels.
50/30/20 Rule: Aim to spend 50% on needs, 30% on wants, and save 20%. Leave optional fields blank if they don't apply to you.
Monthly Take-Home Income
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Enter your net salary after PAYE and UIF deductions. Use the PAYE calculator if you need your take-home figure.
Needs — target 50%
Essential expenses you cannot easily cut
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Wants — target 30%
Lifestyle spending you could reduce if needed
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Savings & Investments — target 20%
Building wealth and financial resilience
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