Month-End Budget & Debt Toolkit

Give your money a plan before month-end. See planned and actual spending, organise bill dates, explore debt repayments and build a savings target with an Excel toolkit made for South African households.

Your download contains 2 files

• 8-page PDF guide: setting up your budget, managing the last week of the month, debt repayment approaches, two-pot withdrawals and finding help.
• Excel workbook (.xlsx), 8 sheets: Start Here, Budget, Spending Log, Debt Payoff, Two-Pot Checker, Month-End Plan, Emergency Fund and Notes & Sources.

What you can do

• Compare your planned budget with spending recorded in the log.
• Explore debt payoff order, repayment periods and extra-payment estimates.
• Estimate two-pot withdrawal tax and fees using the assumptions in the workbook.
• Map bill dates and set an emergency savings target.

Before you buy

This is one ZIP download containing a PDF and an editable Excel workbook. Extract the ZIP first. You need a PDF reader and Microsoft Excel; a laptop or desktop is recommended. Other spreadsheet apps may handle formulas and formatting differently. Software is not included.

Digital files only. No printed book or physical delivery. Files are made available automatically after payment. For personal or household use only; please do not share or resell.

An educational planning tool, not financial, tax or legal advice. Calculations are estimates based on your inputs and the assumptions supplied. The two-pot checker uses 2026/27 figures included in the files; confirm current SARS rules and your fund's fees before relying on an estimate.