● Money Management Toolkit

Know your numbers.
Own your dialogue.

Built by Kgaogelo Sekgota, CFP® — a live, auto-calculating toolkit that shows you exactly where you stand financially, in minutes.

Start free — no card needed →
Budget Planner is free forever. Full toolkit from R29.99/month.
Kgaogelo Sekgota, CFP®
Kgaogelo Sekgota
CFP® · Founder, The Wealth Dialogue
7
Linked calculators
Free
To start
CFP®
Certified planner
R29.99
Per month
How it works

One toolkit. Every number that matters.

Enter your details once. The toolkit calculates everything else — your budget, your debt position, your savings trajectory, and your net worth — automatically.

01

Start free

Open the Budget Planner in your browser — no account, no card required. Enter your income and expenses and see your surplus or shortfall instantly.

02

Unlock the full picture

Subscribe from R29.99/month to unlock the Income Tracker, Expense Tracker, Debt Tracker, Savings Goals, Net Worth, and the full auto-calculating Dashboard.

03

Know where you stand

Your Dashboard gives you a red, amber, or green reading — instantly telling you whether you need to act, tighten up, or are in control of your money.

Red — Act now
Expenses exceed income, debt is growing, or savings are critical. The toolkit shows you exactly which number needs attention.
Amber — Getting there
You're covering your expenses but progress on savings or debt reduction is slower than it could be. Small adjustments make a big difference.
Green — In control
Income covers expenses with surplus, debt is being managed, and savings goals are on track. Your money is working for you.
The status indicator

No guesswork. Just a colour and a number.

Most people avoid looking at their finances because the picture is unclear and overwhelming. The Wealth Dialogue Toolkit gives you one honest reading — red, amber, or green — based on your real numbers, every time you open it.


Whatever the colour, you'll know exactly what to do next.

Simple pricing

Start free. Unlock everything for R29.99/month.

Cancel any time. No lock-in. Just full access to every calculator, every month.

Free
R0
No card. No account. Just open and start.
  • Budget Planner — live in your browser
  • Basic dashboard view
  • Works on phone, tablet, and desktop
Open free toolkit →
Recommended
Full toolkit — monthly
R29.99/mo
Cancel any time. No lock-in. Access as long as you subscribe.
  • Everything in the free tier
  • Income Tracker
  • Expense Tracker
  • Debt Tracker
  • Savings Goals
  • Net Worth calculator
  • Full red / amber / green Dashboard
  • Cancel any time from your PayFast account
Subscribe — R29.99/month →

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"I want people to click on it, put in their numbers, and actually want to put their finances in order."
Kgaogelo Sekgota, CFP® — Founder, The Wealth Dialogue
Try the toolkit free →