ESSENTIALS
R299
ZAR
- ✓ Budget Cutter
- ✓ Net Worth Snapshot
- ✓ Debt Optimiser
- ✓ Five Principles Checklist
- ✓ Works offline — install as app
- ✓ Coaching notes on every tool
Twelve practical financial planning tools, built for South Africans thinking seriously about the second half of their working lives. Pay once. Keep them forever.
No subscription · Works offline · Install as an app
One price. No recurring billing. Never expires.
Install on phone or laptop. Use anywhere — even without signal.
Every tool comes with plain-English guidance from a CA(SA).
SARS, two-pot, Reg 28 — kept current so your decisions stay sound.
From a quick budget cut to a full retirement income plan — every tool is a single screen, designed to be used in fifteen minutes or less.
See what time and consistent contributions can do. The first principle every plan rests on.
Find the rands that aren't earning their keep. Categorise, prune and redirect with a clear before/after view.
Assets minus liabilities in one screen — and an estate-level view so nothing's hidden.
Avalanche vs snowball, modelled side by side. Knock out debt in the order that actually saves you money.
A 5-minute self-audit against the five non-negotiables of a sound financial plan.
Project income through retirement under your real assumptions — inflation, returns, longevity, the lot.
Stress-test your living-annuity drawdown. See where the cliff is, and how to stay off it.
Compare three retirement paths side-by-side. Same inputs, different choices — see the consequences.
Overpayment scenarios, prime rate shocks, the saving from cutting years off the term — all visible.
Should you pay down the bond or invest the extra? Modelled across realistic return ranges.
Project a TFSA, RA or discretionary investment with regular contributions and realistic fee drag.
Pull every decision into a written plan you can hand to your spouse, your CA, or your future self.
Blend a portfolio of unit trusts and ETFs to see expected return, fee load and risk in one go.
Once-off payment in ZAR. No subscription. Tools never expire. Upgrade later for the difference.
Already on Essentials? Upgrade to Premium for the difference at any time.
No. Halftime Tools provides financial planning calculators and educational guidance. For advice tailored to your circumstances, speak to a registered financial planner. The tools and notes here are designed to help you frame the questions and bring better information to that conversation.
You pay once via PayFast in ZAR. Card, Instant EFT, SnapScan and the usual South African options are supported. There's no subscription — once paid, the tools are yours to use indefinitely.
Halftime Tools is a Progressive Web App. After your first sign-in on any device, you can install it to your home screen or desktop and use every tool without an internet connection. Your data stays on your device.
Yes. Once you've paid for Essentials, the upgrade to the Premium Suite is the difference between the two prices. Sign in, click Upgrade, and you're done.
The calculations run in your browser. We store your sign-in email and which tier you've paid for — that's it. We don't see your numbers, and we don't sell your details.
The current version is priced and tax-modelled for South Africa. For international currencies (USD, GBP, EUR), drop us a line at winning@halftimefinancial.io and we'll let you know when international payments go live.