Where does your pay go?
See where every rand goes, whether your money lasts until next payday, and how much you can spend each day to make it.
Left over before next payday
R 0
Add your pay to start.
- Money in
- -
- Money out
- -
- Gone on payday
- -
Your month-end gap
Your daily spending limit
Debt and policies
Build a safety net
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A PDF with your budget, the chart, your daily and weekly spending limits, and a weekly tracker you can print and fill in. No sign-up needed.
Disclaimer
This planner is a free educational tool from Let's Talk Money. The results are estimates to help you understand and plan your money. They are not financial advice.
- The chart assumes costs in the first group leave your account on payday and everyday costs are spread evenly through the month. Your real pattern may differ.
- If you're paid weekly or every two weeks, your pay and payday costs are spread evenly across the paydays in the month.
- Guidelines such as the share of pay going to debt are rules of thumb, not legal tests. Your situation may be different.
- Your information stays on your device. Nothing you type here is sent to or stored by Let's Talk Money.
If your debt repayments are more than you can manage, you can get help from a registered debt counsellor or the National Credit Regulator (www.ncr.org.za). Let's Talk Money does not sell financial products and accepts no liability for decisions made using this tool.
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