How do I know if I am living within my means?

Add up all your monthly expenses and compare to your take-home pay. If you spend less than you earn and save at least 10–15%, you are living within your means.

How much of my salary should I save?

A common guideline is to save at least 15% of your income, with a 50/30/20 split: 50% needs, 30% wants, 20% savings and debt repayment.

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Affordability

Lifestyle Affordability Calculator

See if your lifestyle fits your take-home income

Lifestyle

Does your lifestyle fit?

Add your expenses, see what is left

Monthly Take-Home Pay

Rent / Bond

Transport / Car

Groceries & Food

Debt Repayments

Everything Else (fun, subs, etc)

Left to save each month

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0%Savings rate

Where your money goes

Take-home payR0

Total expenses-R0

Housing % of income0%

✓ Money left overR0

ℹAim to keep at least 15% of your income for savings.

Lifestyle Affordability Calculator

Does your lifestyle fit?

Home Affordability

Car Affordability

Rent Affordability

How to Live Within Your Means in South Africa