Free Budget Check
Klarity Life

Your 20-minute Budget Health Check

Fill in your numbers below — it takes about five minutes. We'll walk through it together on the call and you'll see instantly what share of your net income goes to fixed costs, entertainment and savings. Everything stays on your device.

Call agenda

Twenty focused minutes. No jargon, no sales pitch.

  1. 0–2 min
    Welcome & what to expect

    Quick intros, how the 20 minutes will run, and confirming this is coaching — not product advice.

  2. 2–6 min
    Your money picture today

    Income, allowances, company perks and what actually lands in your account each month.

  3. 6–11 min
    Where it goes

    Walk through fixed costs, lifestyle spend and what's left over. We complete the template together.

  4. 11–15 min
    Health indicators

    Read your fixed / entertainment / savings split against healthy benchmarks and spot the pressure points.

  5. 15–18 min
    Two or three quick wins

    Immediate changes that free up cash without changing your lifestyle much.

  6. 18–20 min
    Next steps

    Whether a monthly retainer, a once-off budget setup or tax season support is the right fit.

Your budget health indicator

Measured as a share of net income (R 0).

Fixed expenses0%
Target 50–60%On track
R 0 per month
Entertainment0%
Target under 20%On track
R 0 per month
Investments & savings0%
Target 15%+Needs attention
R 0 per month
Net income
R 0
Monthly excess
R 0

Your budget template

Edit any line name, change the amounts, and add or remove subcategories as you need.

Income
Salary and allowances before deductions
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Total income R 0
Company perks
Employer-paid benefits with a rand value to you
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Total company perks R 0
Deductions
What comes off your payslip
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Total deductions (R 0)
Net income
Income + company perks − deductions
R 0
Expenses
Tag each line as fixed, entertainment or savings so your indicators stay accurate
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Total expenses (R 0)
Monthly excess
Net income − expenses
R 0

Klarity Life provides financial education and budgeting coaching. We are not a Financial Services Provider (FSP) under FAIS and do not provide product-specific financial advice. Your numbers are saved only in this browser.

Done? Send it to us

Add your details and tap Completed. Your PDF summary downloads and a new email to hello@klaritylife.co.za opens with your details filled in — attach the downloaded PDF and send.