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.
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.
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.
Most people have never actually seen their full financial picture in one place. This is what that looks like.
Not the number on your offer letter — the number that actually lands, after tax, UIF, and retirement contributions are properly worked out.
A full picture of your budget — housing, debt, savings, everything — laid out clearly enough to actually act on.
One honest number that tells you how you're really doing financially, and exactly what would move it.
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.
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.
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?
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.
Understanding how money works.
Employees can now apply that understanding to their own financial situation.
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.
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.
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:
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.
Rather than asking you to commit to a full programme, you can start with a FREE company test pilot programme.
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.
You can experience the platform as your employees would — privately and at your own pace.
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.
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.
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.
Effective date: 2026 · Controller: Fix My Money Matters (Pty) Ltd (Reg. 2026/659585/07), Cape Town, South Africa.
The core Fix My Money Matters tool is designed so that salary, budget, and related figures you type are processed in your browser and are not transmitted to our servers. We do not create user accounts for the free tool and we do not use your financial inputs for advertising.
If you email us (for example to request a company pilot), we will receive the information you choose to send in that email, and we will use it only to respond to your request.
We aim to avoid advertising trackers on this site. Standard technical logs used by a website host may record basic visit data (such as IP address and browser type). We do not sell personal information.
Privacy questions: frank@fixmymoneymatters.com
By using the Fix My Money Matters website and tool, you agree to these terms.
The platform provides general financial education and illustrative calculations. It is not personal financial, tax, legal, or investment advice. It is not a recommendation to buy, sell, or keep any financial product. For decisions that affect your money, consult a suitably licensed professional where appropriate.
Fix My Money Matters (Pty) Ltd does not sell financial products on this platform and does not act as an intermediary for product applications.
Tax and calculation features are illustrative and based on publicly available rules (including SARS tables where stated). Figures may not match every individual payslip or situation. Always check against your own documents and professional guidance.
You may use the tool for your own personal education or, where authorised, within an employer pilot or licensed arrangement. You may not copy, resell, or misrepresent the tool as your own product without written permission.