For South Africans planning retirement, investing and major money decisions
Know what you can change today to retire on your terms.
Bring your income, debt, investments and retirement savings into one South African financial plan. Explore how SARS tax, Two-Pot retirement savings and tax-free savings accounts shape your next move.
Free to start โข No credit card required โข How we protect your data
Example financial goal
R7.5M Target
A view of the assumptions behind a possible plan
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
FNB Savings
Everyday savings account
Discovery Retirement
Two-Pot retirement fund
Home Bond
Primary residence bond
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
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.
| If you useโฆ | It can leave separateโฆ | BinnaBurra brings togetherโฆ |
|---|---|---|
| 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 โwhat ifโ 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 informationSee the numbers behind your plan
A year-by-year view makes the assumptions and trade-offs visible before you make a financial decision.
See the effect of regular costs, debt payments and contributions
Follow projected assets and debts through each year of your plan
Compare your choices using the same assumptions and starting information
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.
Free to start โข No credit card required