Wealthbit has 35 free money tools for South Africans: budgeting, debt, tax, investing and retirement, big decisions, life changes, money as a couple, and tools for employers and HR. Most are workbooks we email to you for free. The online calculators work right here on the site, with no sign-up.
Try a different word, or to see every tool.
Budgeting, spending and savingSee where your money goes, give every rand a job and build a cushion.
Put every rand to work and line your spending up with what actually matters to you. A simple place to start if budgeting has always felt like too much.
Get the tool → Free, emailed to youSee what your everyday spending habits really add up to over a year, then decide which ones earn their place and which you'd rather put towards your goals.
Get the tool → Free, emailed to youTurn your good intentions into consistent money habits, with a practical workbook that helps you build routines you'll actually keep up.
Get the tool → Free, emailed to youBuild your safety net in bite-sized targets. See what to save, how long it'll take and how close you are to real financial freedom.
Get the tool → Free, emailed to youDecember gets expensive fast. Plan the fun parts of the festive season up front, so you can enjoy them without the money stress following you into January.
Get the tool → Free email courseA free email course that teaches you a simple system for managing your money, one that supports your life goals instead of limiting them.
Start the course → Free email courseSpot the money habits that trip you up and build new habit loops that line up with your future goals, one email at a time.
Start the course →
DebtKnow what you owe, what it costs and when you'll be free of it.
Compare repayment strategies side by side, see what your debt is really costing you and work out the date you'll be debt-free.
Get the tool → Free, emailed to youGet one clear picture of everything you owe and what it's costing you, then see how a repayment strategy could change things.
Get the tool → Free, emailed to youCompare paying only the minimum with paying a little extra each month, and see the difference it makes to how long you're in debt.
Get the tool → Free email courseA free four-part mini course that helps you take control of your debt in four days, one small step at a time.
Start the course →
TaxPay what you owe, claim what you're due and file without the panic.
See how your income is taxed and spot simple, legal ways to pay less tax, in a few minutes. A useful check before you make any changes to your setup.
Get the tool → Free, emailed to youKeep track of your tax items month by month, with a clear annual view, so filing your return stops being a once-a-year panic.
Get the tool → Free, emailed to youA personalised list of the documents to gather, deductions to check, key SARS deadlines and common mistakes to avoid, so you can file with confidence.
Get the tool →
Investing and retirementWork out what you're building towards and whether you're on track.
Work out how much you'd need invested to pay yourself the monthly income you want, for life, without a salary.
Use the calculator → Free, emailed to youSee what you're building towards, how much income your retirement savings could give you and whether you're on track for the retirement you want.
Get the tool → Free, emailed to youCheck how ready you are to invest, compare approaches and choose the one that fits your goals, your lifestyle and your next step.
Get the tool →
Goals and big decisionsConnect your money to the life you want, and test the big calls first.
Should you buy or keep renting? Run the numbers with SARS transfer duty, bond and upfront costs, a readiness check and a 25-year comparison.
Use the calculator → Free, emailed to youBefore you spend R20K on a new couch, check it's the right call. See whether you can afford it and what the trade-offs are.
Get the tool → Free, emailed to youSet the life goals that matter to you and link them to your money, so you can stress less and start planning the life you really want.
Get the tool → Free email courseYour money isn't just numbers on a spreadsheet. It's the fuel for the life you want, and this free course helps you put it to work.
Start the course →
Life changesGet clear on your numbers when life shifts under you.
Facing a job loss or a drop in income? Get a clear view of your numbers, see how much time you have and understand your options before deciding what's next.
Get the tool → Free, emailed to youUnderstand your marital regime, see your combined financial position and work through the financial admin that comes with getting married.
Get the tool →
Money as a coupleGet on the same page, without the awkward conversation.
Unpack what money really means to each of you, beyond budgets and bank accounts. A guided way to get the conversation started.
Get the tool → Free, emailed to youTrack what you each earn, spend and contribute, and see your finances as a couple in one clear overview.
Get the tool → Free, emailed to youSee how in sync you and your partner are on saving, spending and goals, and where you can grow together.
Get the tool → Free, emailed to youA quick, fun way to see how you each think about money and how your habits interact, with easy prompts to talk it through.
Get the tool → Free, emailed to youUnderstand your money styles, talk openly about what matters to each of you and make financial decisions together.
Get the tool →
For employers and HRMeasure what money stress is costing your team, and what helps.
A free, anonymous survey that shows how financial stress is affecting your team's focus, energy and performance at work.
Get the tool → Free, emailed to youCheck whether your benefits cover the most important stressors your team is facing in 2026, and spot where the gaps are.
Get the tool → Free, emailed to youSee how much of your SDL you may be missing, and how recovering more of it could help tackle absenteeism and presenteeism at work.
Get the tool → Free, emailed to youGive your team a free tool that explains their own payslip, line by line, with real numbers. No advice given, and nothing leaves their device.
Get the tool → Free report, emailed to you4 in 5 employees regularly worry about money. See how that hidden stress affects rest, focus and retention, and what leaders can do about it.
Read the report → Free report, emailed to youWhy financial stress is a strong predictor of who leaves your team next, and why mid-year is when it turns into real risk.
Read the report → Free report, emailed to youThe data on financial stress, rising workloads and job insecurity, and what it means for engagement, productivity and your benefits package.
Read the report →
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