Plug the leaks
A plan ranked by what each fix is worth, from three months of your own transactions.
1Move debit orders to the 26th24 → 15 days overdrawn
2Review your account feesR1,980/yr
3Vodacom went up R50 a month+R600/yr
Upload three months of bank statements. Tjommie spots the fees, debit orders and old contracts quietly eating your salary, and shows exactly what to fix. Soon you just tap Approve, and Tjommie does the admin: the emails, the forms and the follow-ups.
From your statements to a plan in rands, and soon, to fixes that get done for you.
Knowing what to fix is half the job. The other half is the phone queue, the forms and the follow-ups. Soon you'll tap Approve, and Tjommie writes to your bank or provider, chases them, and tells you when it's done.
Your banking app shows what happened. Tjommie tells you what to do about it, in rands.
A plan ranked by what each fix is worth, from three months of your own transactions.
A budget that builds itself and runs from the 25th to the 24th, the way your salary actually works.
Your credit score, a bank account that costs less, and where you stand among South Africans.
Example screens. Your numbers come from your own statements.
See every feature →Most people have no idea. Put in your age and net worth, or just your salary, and find out in seconds.
Four quick questions about your bank account, subscriptions, phone and insurance. See a rough yearly number from your own answers. No sign-up, nothing saved.
Start the leak checkYour bank statement is personal. Here's exactly what happens to it.
“I built Tjommie for South Africans who work hard and still feel the squeeze at month-end.”
Morné Augustyn, founder · Why I built TjommieOne month can mislead. With three, Tjommie can tell which debit orders really come back every month, spot price increases, and see whether you run short every month or only once.
Soon, the admin behind your plan: fee reviews, debit order date changes, cancellations and price questions, each only after you tap Approve. Tjommie never moves money, never signs you up for credit, and tells you exactly what it sent and to whom.
No. Tjommie shows you facts from your own statements and explains your options. Investment advice only comes from a licensed adviser, and only if you ask for it.
The comparison is always ordered by what each account would cost you. If we earn a referral fee one day, it won't change that order.
In London, United Kingdom, locked to your account. Our privacy policy lists every company that helps us and why, as South Africa's POPIA requires.
Tjommie is free while we test with early users. If that ever changes, you'll hear from us well before you pay a cent.
South Africa doesn't have regulated open banking yet, so PDFs are the safe way today. It also means you never hand anyone your banking login.
One tjommie instead of five apps and a spreadsheet. Be first in line when we open, and first to try Approve when it goes live.
Free while we test. No spam. Ask and we'll take you off the list any time.