Useful answers before you begin.

No. The website provides general educational information and estimates. It does not consider your full circumstances and is not a substitute for regulated, personalised financial advice.

No. Results depend on the values and assumptions entered. Inflation, investment returns, tax, fees, interest rates and personal circumstances can differ materially.

Each calculator explains its own basis. Unless stated otherwise, salary and income figures are generally gross amounts before personal income tax.

At least annually and whenever something important changes, such as income, employment, dependants, debt, health, insurance or retirement plans.

Yes. The site and calculators are designed for phones, tablets and desktop screens.

Future values cannot be known in advance. Assumptions make the estimate transparent and let you test how different outcomes could affect the result.

No. The calculators can be used without an account. Values entered into a calculator are used to produce the estimate on your device and should not be treated as a permanent financial record.

No. HowToMoney is an independent financial-education platform. It does not sell financial products or receive instructions to implement financial transactions.

Use it as a planning starting point and check the calculator's source date and assumptions. Prices, tax rules, benefits, availability and product terms can change, and the provider's current information remains authoritative.

Use the contact page or email info@howtomoney.co.za. Please include the calculator name and enough detail for the issue or idea to be understood, but do not send sensitive personal or financial information.