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MONTHLY SAVINGS OVER TIME

What could you save by cutting a monthly cost?

Choose an expense and the share you could save each month. See how the contributions could add up over time.

Compare your contributions and possible growth

Enter the full monthly expense, then choose how much you could reduce it. The estimate assumes you save that amount every month.

Amount saved each month…
Total contributions over the period…
Projected balance with growth…

The projection uses your chosen rate. Future returns are not guaranteed.

HOW IT WORKS · Updated 13 October 2026

Choose a change that suits your budget

You might order fewer takeaways, switch to a cheaper data plan or cancel an unused subscription. This tool shows how much you could set aside if you kept up that change. You can then decide whether the saving is worth it to you.

Contributions and growth are separate

Saving R500 every month for 60 months gives you R30,000 in contributions before growth. The projected balance assumes you add the money at the end of each month and earn a constant rate, compounded monthly. Actual returns depend on the product and may vary.

Example: Suppose R800 of a monthly expense could be reduced by 50%. That's R400 a month. Over five years you would redirect R24,000 before growth. The additional growth shown by the tool depends entirely on your chosen assumption.

You can reduce part of an expense

You can choose a 25%, 50%, 75% or complete reduction. For example, cutting an expense by 25% leaves 75% available to spend on it. Try an amount you could realistically keep saving each month.

What the projection leaves out

It excludes inflation, tax, investment fees, volatility, missed months and the possibility that your expenses change over time. The future balance should not be used as an investment promise or relied on for a retirement decision. Try changing the assumed growth rate to zero. That shows your total contributions without any growth.

Want to know where a monthly amount could come from? Try Payday Compass. For an explanation of emergency savings, see our guide to building a cash buffer.