Take control of your money. Build real wealth.

One app to see every account, crush debt faster, and build savings habits that stick — built for how South African professionals actually get paid, spend, and save.

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Net Worth -R 44,890
Khaya Score 742

Monthly Budget

66% spent
Survival
Debt
Future

Home Deposit

18% saved

Total Debt

R 87,450

Llama Coach You can be debt-free 3 months early by adding R800 to your Avalanche plan.
Fraud Prevented We flagged a suspicious R4,200 charge at 2:00 AM.

Secure, read-only sync with every major South African bank

Your data is encrypted and secure.

Everything you need
to master your money.

One dashboard for budgeting, debt payoff, fraud alerts, and wealth-building — no spreadsheets required.

Smart Budgeting Dashboard

Survival
Debt
Transport
Life
Future

Advanced Fraud Engine

98 Risk Score

Crush Your Debt

Avalanche Snowball
Debt-free: Mar 2027

Build Savings Habits

12
day streak 🔥

Track Your Spending

Grow Your Wealth Score

742
Pro Feature

Your Personal Llama Coach

You can be debt-free 3 months early by adding R800 to your Avalanche plan.
Do it.

Smart Budgeting Dashboard

Budgeting made easy and stress-free. Every rand is automatically categorized so you always know exactly where your money is going, helping you save more every month.

See pricing details
  • Automatic categorisation across 5 SA-specific budget pillars
  • Real-time sync with FNB, Standard Bank, Nedbank, ABSA, Capitec & more
  • Month-End Projections show where you'll land before payday

Monthly Budget

66% spent · 12 days left
SurvivalR6,400 / R8,000
DebtR3,200 / R3,500
LifeR1,750 / R2,500
FutureR2,100 / R4,000
Month-End Projection On track to have R2,150 left over on the 31st.

Instant Clarity

No more manual spreadsheets. Your transactions flow into the 5 pillars automatically.

Month-End Projections

Know exactly how much you'll have left on the 31st based on your fixed costs.

Smart Alerts

Get notified instantly when you're approaching your limit in the Life category.

Advanced Fraud Engine

Machine learning-driven risk scoring analyzes every transaction in real-time, flagging suspicious charges before they drain your account. Protect your hard-earned wealth.

  • Real-time transaction risk scoring powered by bespoke logic
  • Instant push alerts for suspicious activity
  • Pattern detection across all connected accounts
98 Safety Score
Vida e CaffèToday, 07:42
– R48.00
Unknown MerchantToday, 02:14 AM
– R4,200.00 Flagged
WoolworthsYesterday, 18:03
– R612.40

Bank-Grade Encryption

Your data is protected with 256-bit encryption. We never see your bank login details.

Device Trust

Transactions from new devices are flagged and scored for immediate review.

Privacy First

Read-only access ensures nobody can ever move money out of your accounts.

Crush Your Debt

Consolidate every loan and credit card into one clear view. Use our smart strategies to pay off debt faster, save on interest, and become debt-free sooner.

  • Automated Avalanche & Snowball debt routing
  • Live debt-free date projection updated monthly
  • Consolidate all debts across multiple banks

Payoff Strategy

Avalanche Snowball
Credit Card
R12,400
Car Loan
R64,850
Store Account
R2,600
Total remaining R79,850
Debt-free date March 2027 — 3 months earlier with an extra R800/month.

Interest Saved

See exactly how many thousands of Rands you'll save by sticking to your strategy.

Accelerated Timeline

Add just R200 extra per month and watch your debt-free date jump forward by months.

Milestone Rewards

Celebrate every account closed and every balance milestone reached.

Build Savings Habits

Gamify your savings! Track your no-spend days, build streaks, and hit monthly savings goals. Reduce unnecessary expenses and make saving a habit you enjoy.

  • Automated streak tracking across all accounts
  • Monthly streak goals with achievement badges
  • Real impact: see your savings grow in real-time

No-Spend Calendar

July
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
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27
28
12
day streak 🔥
Iron Will badge unlocked

Keep the Fire Alive

The longer your streak, the more powerful the psychological drive to not spend.

Custom Exceptions

Set allowed spend categories (like groceries or fuel) that won't break your streak.

Peer Leaderboards

Optionally compare your streak counts with friends for ultimate accountability.

Track Your Spending

Predictive analytics flag when your spending shifts before it becomes a problem. Spot overspending early so you can adjust and stay perfectly on budget.

  • Month-over-month category trend analysis
  • Early warning alerts for budget drift
  • Savings rhythm tracking and coaching

Category Trend — Dining Out

+22% this month
Your spending
6-month average
Drift detected Dining Out is creeping up three months running — catch it before payday.

Micro-trend Detection

Notice a 5% creep in dining out? We catch it before it derails your month.

Historical Baselines

We compare your current spend velocity against your 6-month historical averages.

Subscription Creep

Automatically detect when your recurring subscriptions sneakily increase their prices.

Grow Your Wealth Score

A single score that measures your journey from debt to investments. Watch your score grow as you improve your habits, save consistently, and build real wealth.

  • Composite score from savings, debt & spending health
  • Peer comparison by city and age group
  • Monthly score history with improvement tips
742 out of 1000
You
742
Cape Town avg
610
28-year-olds
580

Gamified Wealth

Turn your net worth growth into a score from 1-1000. It's like a credit score, but for wealth.

Anonymous Benchmarks

See how your savings rate compares to other 28-year-olds in Cape Town or Sandton.

Actionable Insights

We tell you exactly which moves (like paying off a card) will boost your score the most.
Pro Feature

Your Personal Llama Coach

Get personalized tips to invest and save. From proactive spending alerts to plain-English Q&A, it's like having a wealth advisor in your pocket—without the high fees.

See pricing details
  • Proactive smart alerts before you overspend
  • Weekly financial health digests in plain English
  • Ask anything about your money, get instant answers
Heads up — you're on track to overspend your Life budget by R400 this week.
What should I cut?
Skip two takeout orders and you're back on track. Want me to pause your Uber Eats notifications for 3 days?
Add R800 to Avalanche planBe debt-free 3 months earlier

Conversational Finance

"How much did I spend on Uber this month?" Get instant, accurate answers via chat.

Weekly Digests

A beautiful email every Sunday summarising your wins and areas for improvement.

Personalised Advice

Our custom-built logic understands your unique financial situation and suggests tailored debt strategies.

From getting started to growing wealth

Three steps: set your goals, connect your accounts, and follow a roadmap built around your own numbers.

1

Set Your Goals

Define exactly what you want to achieve. Whether it's clearing high-interest debt or saving for your first home, we'll help you start.

2

Connect Safely

Securely link your South African bank accounts. Watch as your transaction history is automatically categorized to track your budget.

3

Follow Your Roadmap

Get a clear, step-by-step plan to financial freedom. Crush debt, hit your savings goals, and watch your investments grow.

Trusted by young professionals across Mzansi

Real stories from our early access community.

"I paid off my credit card in 4 months! The debt strategies finally gave me a clear path out of the red."

Lerato M. Sandton, GP

"Tracking my spending has been effortless. For the first time, I have an emergency fund and stick to my budget."

Cheslin P. Cape Town, WC

"My wealth score keeps climbing. Khaya gave me the confidence to finally start investing my savings."

Sipho T. Pretoria, GP

Simple pricing. No hidden fees.

Straightforward plans, no surprises — just the tools you need to get out of debt and start building wealth.

Free
R0/month

Full visibility into where your money goes — completely free, no card required.

Features
  • 1 Linked Account
  • Budgeting & Goals
  • Basic Cashflow & Spending Insights
  • Basic Financial Guidance
  • Basic Alerts
  • Data Refresh Once Daily (on login)
  • Credit Health Tracking
  • Wealth & Investment Tracking
  • Subscription Detection
  • Family Budgeting
  • 12 Months Transaction History
Pro
MOST POPULAR
R99/month
Monthly Yearly Save 16%

The full system — unlimited accounts, credit health tracking, and a personal coach guiding every move.

Pro Features
  • Unlimited Linked Accounts
  • Budgeting & Goals
  • Advanced Cashflow & Spending Insights
  • Personalized Financial Advice
  • Fraud Detection & Smart Alerts
  • Anytime Manual Data Refresh
  • Credit Score + Khaya Score
  • Net Worth & Investments Tracking
  • Subscription Detection
  • Shared Budgets (Family Budgeting)
  • Unlimited Transaction History

Waitlist perk: members get early access plus a 14-day free Pro trial when we launch.

Be first to take control of your money.

Join the waiting list and lock in early access plus a 14-day free Pro trial when we launch.

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