Free for every South African
Take control of your money, for free
Practical programmes, money tools and templates built for South African payslips, debt and family life. No cost, no catch and nothing to buy.
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Free programmes
Step-by-step programmes on earning an income, managing your money and choosing financial products. Read or listen, and get a certificate.
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Money tools
Budget planner, debt payoff planner, payslip explainer and more. Answers in minutes, with a PDF to keep.
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Resource library
Templates, worksheets, guides and audio to help you plan, save and get out of debt.
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Free, trusted help
Where to turn in South Africa for debt, insurance, pension and financial advice problems.
Find help →Money tools
Answers in minutes, not months
Free, private and built for South African payslips. Nothing you type is stored, and each tool gives you a PDF to keep.
Financial Health Checker
Find out where you stand in five minutes and get a printable report.
Check my health →Payday Budget Planner
Plan every rand from payday to payday, and see what you can spend each day.
Plan my budget →Debt Payoff Planner
A step-by-step plan to become debt free, and the date you get there.
Plan my way out →Loan Checker
Check a loan offer before you sign: the real cost, the fees and whether you can afford it.
Check a loan →Home Loan Calculator
Work out repayments, total interest and what you can afford.
Calculate →Payslip Explainer
Understand every line on your payslip: PAYE, UIF and deductions.
Explain my payslip →Free programmes
Read or listen: the first chapters are open to everyone
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Unlock everything with a free account
The first chapters are open to everyone. A free account takes about 30 seconds and gives you the rest.
- Every chapter of every programme, to read or listen to
- Workbooks and templates to download
- Your progress saved, and a before-and-after score so you see how far you have come
- A certificate when you finish each programme
At work
Want this for everyone at your workplace?
Every workplace that books our training keeps these programmes free for the community. Tell your HR manager about it: it takes one email.
Looking for a money word? See the plain-language definitions.