Make room for the life you're building.

From this month's bills to the goals that matter, give your money a clearer direction. Budget, track debt, and follow your savings progress.

Bank linking is read-only. Khaya imports your data; it cannot move money from your bank account.

Net Worth -R 44,890
Money Health 74 / 100

Monthly Budget

66% spent
Survival
Debt
Future

Home Deposit

18% saved

Total Debt

R 87,450

Llama Dojo Coach Compare how extra repayments could change your debt payoff estimate.
Charge to Review An unusual R4,200 charge, flagged for you to check.

Bank linking is read-only. Khaya cannot move money from your bank account.

Everything you need to master your money. Bring your spending, debt, and savings goals into one clear plan.

Smart Budgeting Dashboard

Survival
Debt
Transport
Life
Future

Transaction Review

98 Risk Score

Crush Your Debt

Repayment plan Payoff estimate
Debt-free: Mar 2027

Build Savings Habits

12
day streak 🔥

Track Your Spending

Understand Your Money Health

74
Pro Feature

Your Personal Llama Coach

Review your debt planCompare how extra repayments could change your payoff estimate.

Example guidance

Smart Budgeting Dashboard

See your spending alongside your budget. Imported transactions are categorised, and you can correct a category or add transactions manually.

  • Review categories and map them to your budget
  • Read-only imports from supported South African banks
  • Month-end spending estimates based on your recorded transactions

Instant Clarity

No more manual spreadsheets. Your transactions flow into the 5 pillars automatically.

Month-End Projections

See an estimate of month-end spending based on your spending so far. Actual spending may differ.

Smart Alerts

See in-app guidance when your recorded spending approaches a budget target.

Transaction Review

Review charges that may need a closer look. Khaya flags patterns in your recorded transactions. It does not block payments or contact your bank.

  • Rule-based checks for patterns such as possible duplicates and unusual amounts
  • Flagged transactions to review inside Khaya
  • Review imported and manually recorded transactions

Read-Only Bank Linking

Linking imports account and transaction data. Khaya cannot make payments from your bank account.

Know What Was Flagged

Open a flagged transaction to see the patterns that contributed to its score.

Privacy First

Marking a charge as disputed creates a private record in Khaya. Contact your bank to raise a bank dispute.

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.

  • Debt payoff estimates based on your balances, rates, and repayments
  • Live debt-free date projection updated monthly
  • Track loans and credit cards together in one view

Interest Saved

Compare estimated interest costs with and without extra repayments.

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.

  • Automated streak tracking across all accounts
  • Monthly streak goals with achievement badges
  • Record savings progress and follow your goal balances

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.

  • 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.

Understand Your Money Health

Understand your money habits with a score out of 100. Money Health uses the financial data available in Khaya. It is not a credit score.

  • Composite score from savings, debt & spending health
  • Measured peer comparisons when a consenting cohort is large enough
  • Money Health breakdowns and practical tips

Your Money Health

See how the financial information available in Khaya contributes to your Money Health score out of 100.

Anonymous Benchmarks

Compare measured habits with a consenting member cohort when enough comparable data is available.

Actionable Insights

Explore the measured factors behind your score and tips for your next step.

Pro Feature

Your Personal Llama Coach

Find a practical next step. See tips based on the financial information available in Khaya.

  • In-app tips informed by your spending and budget
  • Money Health breakdowns in plain language
  • Explore practical tips based on your recorded money habits

A Practical Next Step

See contextual tips alongside your budgets, goals, and debt. Choose the next step that fits your situation.

Your Money Health Breakdown

Review the measured factors behind your Money Health score in Khaya.

Personalised Advice

Explore guidance based on the budgets, goals, and debt information you have recorded.

Free plan, for good
R0
Pro free trial, cancel anytime
14 days
Transaction history on Free
12 months
Bank access, never payments
Read-only

From getting started to growing wealth. Three steps take you from your first login to a plan you can follow.

  1. 1

    Plan

    Set Your Goals

    Define what you want to achieve. Whether it's clearing high-interest debt or saving for your first home, we'll help you start.

  2. 2

    Connect

    Connect Safely

    Link available South African bank accounts for read-only imports, or track manually. Review categories and connect them to your budget.

  3. 3

    Follow

    Follow Your Roadmap

    Review your budget, track debt repayments, and record progress towards your savings goals.

Example figures for illustration.

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 Bank
  • Budgets, Goals & Debt Tracking
  • Cashflow & Spending Insights
  • Money Health Score
  • Automatic Daily Data Refresh
  • 12 Months Transaction History
Get started free
Pro
R99/month
Monthly Yearly Save 16%

More connected accounts, deeper money insights, and guidance based on your habits.

Pro Features
  • Everything in Free
  • Unlimited Linked Bank Accounts
  • On-Demand Data Refresh
  • Unlimited Transaction History
  • Peer Spending Benchmarks
  • Money Health Score Breakdown & Coaching
Start 14-Day Free Trial

Eligible for a trial? Get 14 days of Pro free, then pay R99 monthly. Cancel before the trial ends to avoid the first charge.

Ready to take control of your money?

Sign up today and experience true financial clarity.

Free forever plan available. No credit card required.