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Your tools

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Your goals

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Learning path

Five steps to financial freedom

Start with how you think about money, then build the habits, protect what you have, and let your money work for you.

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Reflect · just for you

Goals

Know what you want — and why.

Life happens. When something knocks you off course, use “I had a money breakdown” to reset rather than give up.

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New goal

Budget builder

Spend less than you earn.

Start from your net pay — what actually lands in your account. Then give every Rand a job.

Net pay per month (R)

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Bonus or 13th cheque? It can feel like “extra” money, but it’s still your money. Give it a job before it lands — for example half to a goal, half to enjoy guilt-free.

Compound growth

Growth is accomplished over time.

Compound interest is growth on growth. See what starting now — not later — does to your money.

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Illustration only. Returns are not guaranteed and are shown before fees and inflation.

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Your contributionsGrowth on growth

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A realistic range

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Nobody knows the exact number. Plan for a range, not a promise.

When markets drop Drops of 10–20% happen every few years and feel awful — that’s normal. Over long periods, markets have recovered. Before a drop comes, agree with Gerhard what you will (and won’t) do.

“Safe” in cash? At 5% inflation, R100 000 kept under the mattress buys only about {{ growthView.cashLossR }} worth of today’s goods after {{ growth.years }} years. Doing nothing has a cost too.

Retirement annuity tax saving

Put SARS to work for your retirement.

You can deduct up to 27.5% of taxable income (max R350 000 a year) for RA contributions. The higher your tax bracket, the bigger the saving.

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Taxable income per year (R) RA contributions this tax year (R)

Estimate using 2025/26 SARS tables for under-65s (primary rebate only). Confirm your position with Gerhard before contributing.

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Protection checklist

You are your biggest asset.

Without you, there’s no car, house or savings. Tick off what you already have in place.

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Who depends on your income?

My money story

Every choice has a story behind it.

Most of our money beliefs were learned growing up — often without us noticing. Seeing yours makes it easier to keep what helps and change what doesn’t. There are no right or wrong answers.

Finish these sentences

What matters most to you?

Pick up to three. A plan built around your values is a plan you’ll actually stick to.

Your money style

How much do you agree? 1 = not at all, 5 = completely.

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This is a conversation starter, not a test or diagnosis — everyone has a mix. For the full research-based version, try the Klontz Money Scripts Test.

How ready do you feel?

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Do this together

Couples often grew up with very different money rules. Invite your partner to tell their money story too.

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Shape this app

What would help you most next?

Vote for the tools you want built, or suggest your own. Gerhard reviews these every month.

Settings

Your privacy, your call.

Name

Share with Gerhard Els CFP®

Monthly check-in On the 1st of each month you’ll get one reflection question about putting your lessons into practice. {{ checkinCount }} answered so far.

When money stress feels like more than money If worry about money is affecting your sleep, health or relationships, you don’t have to carry it alone. Gerhard can help you find a counsellor or other professional to work alongside your plan — just ask, confidentially.

Your money, one decision at a time.

First, what should we call you?

Where are you in your money journey?

What are your best hopes for your money this year?

What do you want? Then — why do you want it?

You choose what Gerhard can see.