Expenses

Where your money goes

Categorise spending and see exactly which expenses you can trim.

Monthly Expenses

R 44 049

Annual Expenses

R 528 588

Necessary

R 39 400

52.2% of income

Optional

R 4 649

6.2% of income

Food breakdown

R 6 500/mo · 8.6%

Item	Freq	Monthly
Groceries	monthly	R 6 500

Entertainment breakdown

R 4 050/mo · 5.4%

Item	Freq	Monthly
Restaurants & takeaways	monthly	R 3 400
Streaming subscriptions	monthly	R 650

Category breakdown

Fixed vs variable

FixedR 28 549

VariableR 15 500

Add expense

Name

Category

Amount (R)

Frequency

Kind

Necessity

Notes

All expenses

Name	Category	Kind	Need	Monthly	% income
Home loan repayment	Housing	fixed	Needed	R 14 200	18.8%
Vehicle finance	Transport	fixed	Needed	R 7 800	10.3%
Electricity	Utilities	variable	Needed	R 2 400	3.2%
Groceries	Food	variable	Needed	R 6 500	8.6%
Fuel	Transport	variable	Needed	R 3 200	4.2%
Medical aid	Healthcare	fixed	Needed	R 3 800	5.0%
Internet & cellphone	Utilities	fixed	Needed	R 1 500	2.0%
Restaurants & takeaways	Entertainment	variable	Optional	R 3 400	4.5%
Streaming subscriptions	Entertainment	fixed	Optional	R 650	0.9%
Gym	Health	fixed	Optional	R 599	0.8%

What-if

Compare four expense scenarios

Adjust each line item for Scenarios A, B, C and D. See which plan saves you the most every month.

Income scenarios

R/mo

Current monthly

R 44 049

Scenario A — Trim optional total

R 41 725

Save R 2 324/mo

Scenario B — Aggressive cut total

R 33 490

Save R 10 559/mo

Scenario C — Modest cut total

R 42 887

Save R 1 162/mo

Scenario D — Bare bones total

R 26 429

Save R 17 620/mo

Best option

Scenario D — Bare bones

R 17 620/mo saved

Surplus R 33 775

Surplus R 42 010

Surplus R 32 613

Surplus R 49 071

Line-by-line comparison

Expense	Current	Scenario A — Trim optional	Scenario B — Aggressive cut	Scenario C — Modest cut	Scenario D — Bare bones	Δ Best
Home loan repayment Housing · necessary	R 14 200					−R 5 680 (D)
Vehicle finance Transport · necessary	R 7 800					−R 3 120 (D)
Electricity Utilities · necessary	R 2 400					−R 960 (D)
Groceries Food · necessary	R 6 500					−R 2 600 (D)
Fuel Transport · necessary	R 3 200					−R 1 280 (D)
Medical aid Healthcare · necessary	R 3 800					−R 1 520 (D)
Internet & cellphone Utilities · necessary	R 1 500					−R 600 (D)
Restaurants & takeaways Entertainment · optional	R 3 400					−R 3 400 (B)
Streaming subscriptions Entertainment · optional	R 650					−R 650 (B)
Gym Health · optional	R 599					−R 599 (B)
Totals	R 44 049	R 41 725	R 33 490	R 42 887	R 26 429	R 17 620

Surplus matrix — income × expense plan

Income scenario	Income/mo	Scenario A — Trim optional	Scenario B — Aggressive cut	Scenario C — Modest cut	Scenario D — Bare bones
Low income	R 60 400	R 18 675	R 26 910	R 17 513	R 33 971
Expected income	R 75 500	R 33 775	R 42 010	R 32 613	R 49 071
High income	R 90 600	R 48 875	R 57 110	R 47 713	R 64 171

Each cell is the monthly surplus (income − expense plan). Green = money left over, red = shortfall.

Scenario D — Bare bones wins by R 17 620/ month.

That's R 211 440 extra per year you could redirect to savings, debt, or investments.