Take control of your money. Build real wealth.

The simplest way for South African professionals to crush debt, budget effortlessly, save consistently, and start investing for the future.

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Bank-level security. Read-only access.

Net Worth -R 44,890
Dojo Score 742

Monthly Budget

66% spent
Survival
Debt
Future

Home Deposit

18% saved

Total Debt

R 87,450

Llama Dojo 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.

Read-only sync with all major SA banks

Your data is encrypted and secure.

Everything you need
to master your money.

A unified system built to help you budget, save, and invest with confidence.

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.

Explore Dashboard 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

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.

Explore Security
  • Real-time transaction risk scoring powered by bespoke logic
  • Instant push alerts for suspicious activity
  • Pattern detection across all connected accounts

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.

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

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.

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

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.

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

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.

Explore Scoring
  • Composite score from savings, debt & spending health
  • Peer comparison by city and age group
  • Monthly score history with improvement tips

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.

Explore Pro Features See pricing details
  • Proactive smart alerts before you overspend
  • Weekly financial health digests in plain English
  • Ask anything about your money, get instant answers

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

Our simple process guides you through every step, ensuring you're ready to build wealth from the moment you log in.

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

"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.

No product upsells, no nonsense. Just the tools you need to master your money and build wealth.

Free
R0/month

Perfect for getting started with your financial journey and gaining visibility into your spending.

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
Get Started Free
Pro
MOST POPULAR
R99/month
Monthly Yearly Save 16%

Your complete financial clarity system with advanced insights, credit health tracking, and personalized guidance.

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
Start 14-Day Free Trial

14-day free trial, then billed R99.99 monthly. Cancel anytime before the trial ends.

Ready to take control of your money?

Sign up today and experience true financial clarity.

Get Started Explore Features

Free forever plan available. No credit card required.