Overview
32 years old · income ~R45 000/month
Net worth
R 1 095 000
Your current arrangement costs you annually
−R 6 708
See what's dragging Alex down ↓
Alex's accounts
7 accounts · R 2 393 000 assets · R 1 298 000 liabilities
Capitec Transactional
Banking
R 18 500
FNB Savings Account
Banking
R 94 000
EasyEquities TFSA
Investments
R 22 000
Allan Gray RA
Retirement
R 89 000
Luno Crypto Wallet
Crypto
R 34 500
Primary Property
Property
R 1 850 000
Vehicle
Vehicle
R 285 000
Allocation
Assets
R 2 393 000
Insights
7 observations on Alex's finances
Analysis · Top opportunity
R6 708/yr combined: idle cash + unused TFSA allowance
per year
Calculate your own missed returnsYou have R112 500 earning an average of 4.7% p.a. across 2 low-yield accounts, and R24 000 of your annual TFSA allowance unused with 10 months left in the tax year. Optimal split: R24 000 into a TFSA money market account (tax-free) and R88 500 into a regular money market fund. Best money market options right now: TymeBank (10% p.a., 0% fee) or Capitec (8.5% p.a., 0% fee). For the TFSA portion, EasyEquities TFSA (14.2% p.a., 0.25% fee) is currently the top-ranked option. Combined impact: R5 988/yr in additional returns + R720/yr in tax savings at a 30% marginal rate. Sustained over 10 years with compounding at 8%, this combined drag costs you R97 176.
Liabilities are 54% of your total assets
You have R1 298 000 in liabilities against R2 393 000 in assets, a debt-to-asset ratio of 54% and a net worth of R1 095 000.
Your vehicle may depreciate R42 750 this year
Your vehicle is currently valued at R285 000.
R18 537 of SARS interest exemption remaining
SARS allows R23,800 in interest income tax-free per year.
Your Property allocation is 77% of your portfolio
Your Property holdings make up 77% of your total assets (R1 850 000).
98% of your assets are ZAR-denominated
An estimated 98% of your assets are in ZAR-denominated instruments: banking accounts, local retirement funds, property, and vehicles.
Retirement savings are 4% of assets (benchmark is 22%)
Your retirement savings are R89 000, or 4% of your total assets.
Your turn
Most South Africans are missing R8 000–R30 000/year.
Add one account — we'll show you yours in 30 seconds.
Calculate my missed returnsFree to use · No bank credentials required · Built in Cape Town 🇿🇦