Fix My Money Matters icon
FixMyMoneyMatters
UNDERSTAND YOUR MONEY AND KNOW HOW IT WORKS
Fix My Money Matters (Pty) Ltd · Reg. 2026/659585/07 · Level 1 B-BBEE
No login · Free · Private · Nothing leaves your device

Know Your Money. See Your Choices. Shape Your Future.

See your true take-home pay, where every Rand goes, and how a financial decision could affect you.

A private financial clarity tool for South Africans. No sign-up. No sales pitch. No data sent to a server.

Try it — what if...
Your salary increases by R1,600 per month
Extra in your pocket, after tax R1,184
Goes to tax & UIF R416

Exact figure, not a guess — calculated on the SARS 2026/2027 tax tables for a R25,000/month starting salary. Try it with your real salary →

Enter any gross monthly salary from R5,000 to R250,000. The raise slider then uses your figure.

The free tool is available in 7 South African languages.
The important difference

We're not here to sell you anything.

Fix My Money Matters is not designed to sell financial products. It's not trying to talk anyone into an investment, a loan, or a particular bank. The purpose is to help you understand your own situation first — free from pressure, and free from any sales agenda.

WHAT THIS ISN'T

  • A loan or investment sales funnel
  • A tool that pushes a particular bank or product
  • Advice dressed up as a calculator

WHAT THIS IS

  • A clear, honest picture of your own money
  • Education and understanding, on your terms
  • Confident, informed decisions — made by you
For you, personally

What this means for you

Most people have never actually seen their full financial picture in one place. This is what that looks like.

01

See your true take-home pay

Not the number on your offer letter — the number that actually lands, after tax, UIF, and retirement contributions are properly worked out.

02

See where your money is really going

A full picture of your budget — housing, debt, savings, everything — laid out clearly enough to actually act on.

03

See your Wellness Score

One honest number that tells you how you're really doing financially, and exactly what would move it.

04

See the future before you decide

A raise, a new expense, paying off a debt faster — try the"what if," and see the real, tax-adjusted impact before you commit to anything.

Move from
"I don’t understand where my money is going." To "I know what I can do next."
Better spending decisions Reduce unnecessary expenses Understand debt Start saving Plan for emergencies Set financial goals Reduce financial stress
“What this platform does for you is help you see and understand your real financial situation clearly. It then helps you explore the options and choices available to you by showing you how changing one part of your financial picture can affect another. This means you can see the full impact and consequences of your financial decisions before you make them.”

We are closing a gap in financial understanding

For many people, financial information is either too complicated, too expensive, or too difficult to understand. Fix My Money Matters aims to close that gap by making financial information simpler, more accessible and easier for ordinary people to understand.

For Employers

How Does This Affect Employers?

Financial pressure doesn't stop at the workplace door.

When an employee walks through the doors of a business, the financial pressures they are experiencing don't simply disappear. They come to work with them.

76% of respondents experiencing money stress in South Africa said it was affecting their work life.Source: DebtBusters Money-Stress Tracker 2026

R250 billion is lost every year to financial stress in South African workplaces. A private tool that helps employees understand their money is also a productivity intervention, not just a wellbeing one.Source: Wealthbit 2026 Employee Benefits Report

Concerns about debt, rising living costs, household expenses, unexpected bills, and simply making it to the end of the month can occupy a person's attention long after they have arrived at work.

Financial pressure is personal — but its effects can extend into the workplace.

It can affect an employee's ability to concentrate, their emotional wellbeing, their engagement with work, and the amount of time and mental energy they have available during the working day.

The question for employers is: What can we do to support our employees without invading their privacy or needing access to their personal financial information?

A Different and Supporting Approach to Financial Wellness

Employers already use a variety of ways to support the financial wellbeing of their employees — from financial information and education, to advice, workshops, and relationships with trusted financial institutions and service providers.

These initiatives do provide valuable support.

However what if we can add another layer that can support and complement what you already provide?

Here is the supporting layer.

↓

Financial Literacy

Understanding how money works.

→

Financial Capability

Employees can now apply that understanding to their own financial situation.

→

Financial Wellbeing

Employees become more informed, more confident and more in control of their financial decisions — because they can explore the possible future impact of a financial decision before making it.

And there is something else that matters: privacy.

Financial matters are deeply personal. For some employees, discussing financial difficulties in a workplace setting can bring feelings of embarrassment, shame or fear of judgement. Research has identified these psychological barriers as factors that can discourage people from openly seeking help or advice with their financial issues.

Fix My Money Matters takes a different approach.

Every employee can use the platform privately, in their own time and on their own device.

The financial information they enter is processed in their browser and remains on their device unless they choose to share it.

The employer does not see the employee's salary, expenses, debts, financial position or decisions.

This means an employee can explore their financial situation without having to disclose it to their employer, colleagues or anyone else.

They can See. Understand. Explore. Decide.
Privately.
Without judgement.
At their own pace.

Fix My Money Matters doesn't replace the financial support an employer already provides. It adds another layer — giving every employee a private place to understand their own financial situation and explore the consequences of their choices.

Your Company. Your Brand. Their Private Financial Journey.

Imagine giving your employees a financial understanding experience that looks and feels like something your organization has provided specifically for them.

Not another financial product.

Or another financial counseling session.

A private place where employees can take a step back, understand their own financial situation, explore their options and see how different choices could affect them — in their own time and without having to discuss their personal finances with anyone at work.

Your organization provides the support. Your employees keep control.

Fix My Money Matters can be adapted to your organization, with your company's branding incorporated into the employee experience.

The message from your organization could be simple:

“We see the financial pressures that life can bring.
We care about your financial well-being.
And we've provided you with a private place to start.”

Your organization provides the opportunity.

Your employees have full access to the platform to assist and support them in their financial wellness and educational journey.

Their personal financial information remains theirs.


What if you could see it before you decide?

Rather than asking you to commit to a full programme, you can start with a FREE company test pilot programme.

A simple way to explore the idea

  1. You use the unbranded platform

    Choose between 5-10 employees, that will use this platform entirely for Free. The time-frame for this Pilot is between 3-6 weeks. There is a feedback form attached that your employees using the platform can email at the end of the test phase, directly to you and ourselves.

  2. You see the employee experience

    You can experience the platform as your employees would — privately and at your own pace.

  3. Learn from the experience

    The pilot can help you understand whether employees find the experience useful, easy to understand and comfortable to use — and where it could complement your existing financial well-being initiatives.


No commitment.
No obligation.
Just an opportunity to see what it could become.

Simply email us with the words “Free Pilot” with your name, and we will share the information with you.

About us

What is Fix My Money Matters?

Fix My Money Matters (Pty) Ltd is a Cape Town–based financial education company. We provide a free, private financial clarity tool for South Africans — so you can see your true take-home pay, understand where your money goes, and explore the impact of a financial decision before you make it.

We are not a bank, insurer, or product sales platform. We do not sell financial products and we do not provide personal financial advice. The tool is for education and clarity only.

Nothing you enter is sent to our servers. There is no account to create, no tracking for advertising, and no data collection of your salary or budget figures. Processing happens in your browser on your device.

Legal name: Fix My Money Matters (Pty) Ltd
Registration: 2026/659585/07
Location: Cape Town, South Africa
B-BBEE: Level 1
Contact: frank@fixmymoneymatters.com
Website: https://fixmymoneymatters.com
Language

The tool speaks 7 South African languages

The Fix My Money Matters tool itself is available in seven South African languages, so people can work through their money in a language they are comfortable with.

English Afrikaans isiZulu isiXhosa Sepedi Setswana Sesotho
Where we are today with languages: the Fix My Money Matters Calculator has a complete first-pass translation in all seven languages. We are looking to work with South African language experts on professional review of the tool translations — checking each one for accuracy, natural phrasing, and cultural appropriateness, not just correct grammar.