Could you retire five years earlier?
See how changing your retirement age or monthly contributions affects a sample plan. Then build your own South African financial plan with your income, debt and investments.
Explore a fictional household. No account needed.
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One decision can change the rest of your plan.
Compare a bigger bond payment with investing. Check whether a higher tax-free savings contribution changes your retirement date. See the trade-offs before you commit.
- Your cash flow
- See where income goes after regular costs, debt payments and contributions
- Your retirement plan
- Test retirement ages and contributions against the assumptions you choose
- Your next move
- Model choices around property, investments, debt and tax-free savings before acting
See the numbers behind your next decision
Start with your accounts and cash flow. Then inspect the assumptions and trade-offs behind each scenario.
Connect All Your Accounts
- Bank Accounts & Retirement Funds
- Add your savings, everyday accounts, and retirement funds
- Investments & Property
- Track shares, managed funds, and property investments
- Debts & Loans
- Include home loans, credit cards, and NSFAS debt
Illustrative accounts, not customer balances.
- FNB Savings · Everyday savings account
- R125,000
- Discovery Retirement · Two-Pot retirement fund
- R650,000
- Home Bond · Primary residence bond
- −R570,000
See Your Future Unfold
- Retirement scenarios
- Compare retirement ages against your balances, contributions and assumptions
- South African tax context
- Explore scenarios that include SARS tax, Two-Pot retirement savings and tax-free savings accounts
- Scenario Planning
- Try a change, then see how it affects cash flow and your projected plan
Your Financial Timeline
Illustrative milestones, not customer results.
- 2027
- Home bond paid off
- 2035
- R10M net worth
- 2045
- Financial independence
Built for the decisions spreadsheets leave disconnected.
A change to debt, investing or retirement savings affects the rest of your plan. Keep the trade-offs in one place.
Scroll across the table, or focus it and use the arrow keys.
| If you use… | It can leave separate… | BinnaBurra brings together… |
|---|---|---|
| A spreadsheet | Tax, debt and investment choices | One plan that shows their combined trade-offs |
| A simple calculator | Your real accounts and assumptions | A projection based on the balances and cash flow you enter |
| An adviser meeting | Everyday “what if” questions between meetings | A private place to explore scenarios before your next conversation |
Built for South African Investors
Every feature designed with South African tax rules and investment options in mind
- South African Tax System
- Use assumptions that account for SARS tax, Two-Pot retirement savings, tax-free savings and medical aid credits.
- Investment Tracking
- Track shares, managed funds, property and cash accounts alongside your contribution and debt plans.
- Property Investment
- Model investment properties with bond interest deductions, wear-and-tear allowances, and capital gains tax scenarios
- Smart Recommendations
- Get personalized suggestions for maximizing tax-free savings, Two-Pot retirement contributions, medical aid tax credits, and debt optimization
- Scenario Planning
- Test different strategies and see their long-term impact on your financial independence date
- Privacy information you can inspect
- Read how BinnaBurra handles account details and contact us with questions before you add your information.Read our privacy information
See the numbers behind your plan
A year-by-year view makes the assumptions and trade-offs visible before you make a financial decision.
- Cash flow
- See the effect of regular costs, debt payments and contributions
- Net worth
- Follow projected assets and debts through each year of your plan
- Scenarios
- Compare your choices using the same assumptions and starting information
Planning guides for South Africans
Put your next financial decision in context.
Build a plan from your own balances, cash flow and assumptions. Review important decisions with a qualified financial adviser.
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