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Know where your money stands.
Your budget, net worth and tax — together in one private hub.
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Overview
Plan
Budget
Transactions
Net worth
Tax
JM
John M.
View profile
Good morning, John 👋
Here's your financial overview.
Budget
R 12 750
of R 18 000
Net worth
R 612 400
▲ 9.2%
Tax
R 8 640
est. refund
Recent transactions
🛒R -624
Pick n Pay
Groceries
💼R 24 500
Salary
Income
By category
R 12 750
spent
Net worth
R 612 400
Upload. We do the rest. ✨
Drop in a statement — we read and sort it for you.
👛
Budget with confidence
See where every rand goes, and put your money behind what matters.
Explore budgeting →🛡️
Stay tax ready
Know what you can claim, with every document in one place.
Check your tax visibility →
🇿🇦 Built for South Africa
🔒 Private by design
✨ AI-powered insights
The MyFinHub overview
See your whole financial life, in one place.
MyFinHub brings your budget, net worth, investments, debt and tax together in one private hub — built for South Africans, in rands. Take the tour below, or jump straight to any feature.
Overview
Your money, the moment you log in.
One calm home screen that answers “where do I stand?” at a glance — this month's spend, your net worth, and your expected tax position.
- Budget, net worth and tax — side by side
- Your latest transactions, already sorted
- Spending by category, in one clean ring
John's household
Personal finance
Overview
Plan
Money date
Insights
Net worth
Holdings
Budget
JM John M.
Overview Hide amounts
Your June 2026 money date is ready
Ten minutes: see what happened, check your goals, lock the month.
John M.
R 6 520
surplus this month · your plan · checked against statements
Income (your plan)R 24 500
Received (from statements)R 24 500
SpendingR 17 980
Debt service22%
Financial health score
72
Good shape
Target: reach 75 this month.
See the moves →
Cash resilience15/20
Net worth trend
R 612 4001M1YMax
▲ R 54 200 (+9.7%) · all time
John's household
Personal finance
Overview
Plan
Money date
Insights
Net worth
Holdings
Budget
JM John M.
Plan Hide amounts
You're ahead of plan
R 8 430 000
projected in 20 years · target R 6 100 000 · judged in today's money
Headroom
+R 2 330 000
Your goals (1 active)
+ New goalEmergency fundOn track
R 54 000 of R 90 000 · needs R 3 270/moby Dec 2027 · 11 mo left
Where you're heading — the range
Future rands · the shaded band is a weaker-to-stronger market range — real markets aren't a straight line.
Plan
Know if you're on track — and what moves the needle.
A clear cockpit that projects where you're heading, flags your emergency-fund and debt-free milestones, and shows what one small change would do.
- Net-worth projection to retirement
- Emergency fund & debt-free targets
- “What if I add R___ a month?” modelled instantly
Money Date
A 10-minute money date, once a month.
A simple monthly ritual: see what came in and went out, check your goals, and lock the month. Small, steady attention beats a year-end scramble.
- Last month, summarised in seconds
- Review & confirm, then lock the month
- Goals nudged forward every time
John's household
Personal finance
Overview
Plan
Money date
Insights
Net worth
Holdings
Budget
JM John M.
Money date Hide amounts
💜 Money date — June 2026Ten minutes, once a month.
Came in
R 24 500
income received
Went out
R 17 980
spending
Kept
R 6 520
27% of income
Your kept R 6 520 — your options
1 · Emergency fund top-up4.1 → 4.4 months
2 · Extra on the credit cardsaves R 4 890 interest
Ranked from your own numbers — your choice, including doing nothing.
Your goals' verdict
Emergency fundOn track
Locking freezes this month's plan into history — your Budget tab will always show June as it stood.Lock June 2026 ✓
John's household
Personal finance
Overview
Plan
Money date
Insights
Net worth
Holdings
Budget
JM John M.
Insights Hide amounts
Fewer tips. Better decisions.
Your top money moves
MOVE 1FOUNDATION
Topping up your emergency buffer
First confirm the safety net so the rest of the plan can take risk safely.
Amount
R 1 0001-year lift
R 8510-year lift
R 1 180highly accessible · Scenario only — not financial advice
MOVE 2GUARANTEED 15.0% a year
Paying down your vehicle loan
Debt repayment is a guaranteed return because it avoids future interest.
Amount
R 1 0001-year lift
R 15010-year lift
R 3 046These are scenario calculations from your own data. This is information, not financial advice.
Insights
Your Next Best Rand, ranked for you.
A clear, neutral comparison of where your next rand creates the most value — paying down debt, retirement, tax-free savings or investing — worked out from your own numbers.
- Debt vs RA vs TFSA vs invest, side by side
- Ranked with your own numbers, not averages
- Plain-language, never pushy — information, not advice
Net worth
Everything you own, minus what you owe.
Your true bottom line, tracked over time. Add assets and debts once and watch the line move as life happens.
- Assets & liabilities in one view
- A trend line that tells the real story
- Snapshots so you can see your progress
John's household
Personal finance
Overview
Plan
Money date
Insights
Net worth
Holdings
Budget
JM John M.
Net worth Hide amounts
Total net worth
R 612 400
Assets R 965 600 − liabilities R 353 200
Investments
R 251 300
Net worth over time
TotalJohnJointR 612 4001M6M1YMax
▲ R 54 200 (+9.7%) · all time
A point is saved every day you use MyFinHub — scrub the line to read any day's value.
Past 30 days
+R 8 120
change in net worth
In 12 months
≈ R 709 000
at this pace
Debt vs assets
37%
liabilities ÷ assets
John's household
Personal finance
Overview
Plan
Money date
Insights
Net worth
Holdings
Budget
JM John M.
Holdings Hide amounts
Investments & holdings
R 251 300
Put in R 205 000 · gain R 46 300
Total gain
+R 46 300
SimpleAdvancedPrices updated 2 h agoRefresh prices
Allocation
Equity52%
Cash24%
Crypto14%
Set each holding's class and region below — it powers this view and your tax tab.
TFSA
value R 98 000Satrix Nasdaq100
R 51 400as of 2026-06-30
Satrix S&P500
R 46 600as of 2026-06-30
TOTALR 98 000
+ Add to TFSA
Holdings
Shares, ETFs, RA, TFSA, crypto — even gold.
Pull every investment into one portfolio view, with honest gain/loss when you've captured what you paid. No more logging into five different apps.
- Local & offshore, all asset types
- Honest gain — “cost basis needed”, never a fake 0%
- Feeds straight into your net worth and tax
Budget
Give every rand a job.
Plan by needs, wants and savings, then watch real spending land against your plan. Two views — a simple overview, and category-by-category detail.
John's household
Personal finance
Overview
Plan
Money date
Insights
Net worth
Holdings
Budget
JM John M.
Budget Hide amounts
YOUR MONTH AT A GLANCE
You spent less than was earned, with money left to save.
Biggest overspend: Eating Out (R 250 over) · 30% of spending went to wants
Savings rate
15%
Aim 15–20%+
Expense-to-income
73%
Under 100% = within means
Wants share
30%
Needs R 11 200 · Wants R 5 400
Spending: plan vs actual
PlanR 18 000
ActualR 17 980
Variance+R 20
John's household
Personal finance
Overview
Plan
Money date
Insights
Net worth
Holdings
Budget
JM John M.
Budget Hide amounts
Group / CategoryPlanActualVariance
FoodR 4 200R 4 290R -90
Groceries Flexible3 000R 2 840R 160
Eating Out Flexible1 200R 1 450R -250
HomeR 14 200R 14 200R 0
Bond / Rent Fixed14 200R 14 200R 0
Tap any number in the Plan column to change it — it saves as you go.
John's household
Personal finance
Net worth
Holdings
Budget
Transactions
Upload
Loans
Tax
JM John M.
Transactions Hide amounts
42 transactions · spent R 17 980 · received R 24 500 · 2 awaiting reviewUpload statement
DateDescriptionAmountCategory
2026-06-28WOOLWORTHS SANDTON ZAR -834Groceries ⌄✓
2026-06-27ENGEN RIVONIA ZAR -720Fuel ⌄✓
2026-06-27NETFLIX.COMR -199Subscriptions ⌄✓
2026-06-25SALARY — ATLAS STUDIOR 24 500Income ⌄✓
Showing 4 of 42 · changes save instantly.
Transactions
Every transaction, sorted and searchable.
Your spending lands here already categorised. Fix a category in a tap, bulk-edit a whole statement, and search by merchant or amount in seconds.
- Smart categories you can correct in a tap
- Bulk-fix a mis-read statement at once
- Search by name, category or amount
Uploads
Drop in a statement — we do the rest.
Upload a bank statement, payslip, tax certificate or even a screenshot. With your consent, AI reads it and lays out the rows for you to confirm before anything saves.
- PDF, image, screenshot or Word — even password-protected
- AI reads any layout; you confirm before it counts
- Tax certificates land straight on your tax inputs
John's household
Personal finance
Net worth
Holdings
Budget
Transactions
Upload
Loans
Tax
JM John M.
Upload Hide amounts
Upload documents
MyFinHub reads your documents so you don't type everything in. Pick what you're uploading — you'll always confirm before anything saves.
Income
Payslip or IRP5 — we read salary and PAYE into your tax inputs.
Choose fileExpenses
Bank statements from any SA bank — CSV, PDF, or screenshots. Select a whole year at once.
Choose filesHoldings
Screenshots or PDFs of investment, retirement, crypto or ETF records.
Choose filesCertificates
IRP5 / IT3(b) / IT3(s) / medical certificate — values land on your tax inputs.
Choose fileDebts
A bond, car-finance or loan statement — MyFinHub reads the balance, interest rate, instalment and remaining term, and sets up the payoff plan.
Choose fileYou confirm everything before it saves.
John's household
Personal finance
Net worth
Holdings
Budget
Transactions
Upload
Loans
Tax
JM John M.
Loans Hide amounts
Total owed
R 1 540 550
R 21 200 a month across 3 loans
Interest still to pay
R 486 300
Your loans & payoff
Home loanR 1 240 000
R 14 200/mo · 9.75% (fixed) · paid off Mar 2034 (8y)
Pay 10% more → save R 164 300 interest, clear it 22 mo sooner
Vehicle financeR 268 400
R 6 100/mo · 11.5% (fixed) · paid off Jun 2029 (3y)
Pay 10% more → save R 14 800 interest, clear it 5 mo sooner
Credit cardR 32 150
min R 900/mo · 21% · pay this one first
Total owedR 1 540 550
Loans
See every debt — and when you'll be free.
Home loan, car, credit cards and store accounts in one list, with the interest rate, instalment and payoff date. See what paying a bit more would do to your freedom date.
- Every debt, balance, rate & instalment
- A real debt-free date
- “Pay more” → see the interest saved and months cut
Tax
Know your refund — and what's left on the table.
A plain-language tax view: your estimated position for the year, what you can still claim, and the deductions most people miss. Built for the South African tax year, in rands.
- Estimated refund or amount owed
- RA, medical, donations & TFSA, worked out
- An estimate to guide you — not a filed return
John's household
Personal finance
Net worth
Holdings
Budget
Transactions
Upload
Loans
Tax
JM John M.
Tax Hide amounts
Tax — 2026/27SARS year 1 Mar – 28 Feb · you're 34% through it
Next deadline: Last day to contribute (RA / TFSA / donations) — Feb 2027
Refund coming
R 8 640
Estimated for John · effective rate 21.4% · marginal rate 31%
Taxable income
R 486 200
Tax for the year
R 92 140
Income breakdown
Taxable incomeR 486 200
Tax before rebatesR 110 000
Rebates & medical credits− R 17 860
PAYE paid (IRP5)R 100 780
Refund dueR 8 640
Retirement annuity (S11F)
Save R 12 400
Contribute before 28 Feb to deduct this year.
Tax-free savings
R 26 000 room
R 20 000 of R 46 000 used this year.
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Walkthrough video coming soon
A 90-second tour of MyFinHub — sign in, upload a statement, and see your budget, net worth and tax come to life.