Budgeting tools for South African salaries
Take control of your rands, one simple step at a time
Budget planners, trackers and savings challenges built for South African salaries. Pay once from R39 and start on your phone.
Takes you to sign-up. No bank logins needed.
Monthly Budget Planner
March 2026
- Salary after tax R 24 500
- Rent R 8 200
- Groceries R 3 800
- Transport and data R 2 100
- Savings step R 2 500
Illustrative example, in rands.
What you get
Built around rands, salary-to-salary months and local costs
Generic overseas spreadsheets assume a different country. These tools start from how a South African month really runs. Educational tools only, never investment advice.
- Budget planners
- Income, fixed costs and savings laid out salary to salary, with rand totals that add up as you type.
- Trackers
- Follow spending and debt through the month in plain rows. No bank logins, no linked accounts.
- Savings challenges
- Step-by-step challenges that break a savings goal into small amounts you can actually keep up.
- Your library
- Everything you buy sits in one place on your phone, ready to open or download again.
Inside the app
Three screens, one calm routine
My Library
- Monthly Budget PlannerPlanner Open
- 52-Week Savings ChallengeChallenge Open
- Debt Snowball TrackerTracker Open
Everything you buy, in one place
Open a planner or download it again whenever you need it. Pay once and it stays in your library.
Look around the librarySavings Challenge
- Week 1 R 10
- Week 2 R 20
- Week 3 R 30
- Week 4 R 40
Illustrative example.
Small steps you can see
Savings challenges tick off one step at a time, so progress is visible and a missed week is easy to pick up again.
See a challengeSimple money steps for everyday South Africans
| The old way | WealthSteps SA | |
|---|---|---|
| Currency and costs | Dollars and overseas bills | Rands, local costs |
| Month shape | Calendar month | Salary to salary |
| Bank access | Often needs bank logins | No bank logins needed |
| Where you use it | A desktop spreadsheet | Your phone |
| Pricing | Subscription or hidden upsell | Pay once, from R39 |
Questions people ask first
Do I need to share my bank details?+
No. Nothing connects to your bank. You enter your own numbers, so your money stays private.
Does it work on my phone?+
Yes. Everything is built mobile first, with Android phones in mind, and delivered instantly after you sign up.
How much does it cost?+
You pay once for each tool, starting from R39.
Is this financial or investment advice?+
No. WealthSteps SA offers educational budgeting tools only, never investment advice.
Will it suit a salary-to-salary month?+
That is the point. The planners start from payday and the costs a South African month really has, in rands.
Make this month the one that adds up
Pick a planner, enter your salary and take your first step today.
Start my plan