My Money Tool
SARS framework · May 2026

The numbers you actually need before a big SA money decision.

My Money Tool is South Africa's financial scenario engine. Pick a question, move the sliders, and get a defensible answer in seconds — transparent maths, no spreadsheet PDFs, no advisor pitch.

Try the Rentvesting EngineRead the methodology

2026 macro snapshot

Prime rate
10.25%
Repo rate
6.75%
CPI
3.1%
CPT yield
9.0%
JHB yield
13.7%
Primary rebate
R17,820

All sliders default to these — change anything to stress-test your scenario.

The three tools

Each tool produces a permanent, indexable result page so you can save your scenario, share it, and come back to compare against tomorrow's numbers.

Property

Rentvesting Engine

Compare renting Cape Town + buying Johannesburg vs. buying primary residence in CPT. Net worth, cash flow, ROI.

Run a comparison →Energy

Solar / Inverter ROI

Factor load shedding, fuel inflation and WFH productivity loss. Get a real payback period — not the marketing one.

Calculate payback →Tax

Tax-Efficient Wealth

Optimise Retirement Annuity, TFSA and Section 13sex against the 2026 SARS brackets. Project your after-tax wealth.

Optimise allocations →
New · 60-second snapshot

Money Reality Check

Four numbers in, one honest picture out: where your income ranks among South Africans, the tax you really pay, how heavy your housing is, and whether your saving puts you on track. Free, no sign-up, shareable.

Check your reality →

Frequently asked

Is rentvesting worth it in South Africa in 2026?▾

It depends on the spread between rental yield and bond cost. Cape Town yields ~9% while JHB yields ~13.7% in 2026 — the gap is exactly what makes rentvesting structurally attractive when prime sits at 10.25%. The Rentvesting Engine quantifies it for your numbers.

RA vs TFSA — which one first?▾

If your marginal rate is 31% or higher, the RA tax deduction usually beats the TFSA's tax-free growth in net present value terms — until you hit the 27.5%/R350k cap. Below 31%, TFSA tends to win on flexibility. The Tax engine models both.

Will solar still pay back if Eskom stabilises?▾

Yes, but the payback period stretches. The Solar engine separates bill-saving (sensitive to electricity inflation) from downtime-avoided (sensitive to outage hours and fuel prices), so you can stress-test both.