One upload.
Your whole money picture.
Upload three months of bank statements and every feature below fills itself in. No typing in transactions, no categorising, no spreadsheets.
A plan ranked in rands.
Tjommie goes through every line of three months of statements and turns what it finds into a short list of fixes, biggest saving first, with how long each one takes.
- Bank fees, failed debit order charges and cash withdrawal costs
- Price increases, with what they cost you a year
- Subscriptions you pay for twice or stopped using
- Debit orders that leave before your salary lands
Ask anything. Get an answer in rands.
Tjommie answers from your own transactions, not general tips. Ask it like you'd ask a friend who's good with money.
- "Can I afford a weekend away this month?"
- "What did we spend on takeaways since July?"
- "Which debit orders went up this year?"
- Answers use your statements only, and never leave your account
A budget that builds itself, payday to payday.
Tjommie sets up your budget from what you actually spend, running from the 25th to the 24th the way your salary works, not calendar months.
- Spending groups like Bills, Day-to-day and Lifestyle, with your own categories inside
- Safe to spend each day until payday
- A calendar of which debit orders leave when
- Move categories between groups and set your own limits
Know your score, and what it gets you.
Upload the free credit report every South African can get from the bureaus. Tjommie reads it, shows your score and what's pulling it down, and what that score means for bank accounts and credit.
- Experian, TransUnion, XDS and Compuscan reports
- Your accounts, how much of your limits you use, and late payments
- What would raise your score, in plain words
- Which bank accounts and credit offers fit your score
Are you paying too much to bank?
Tjommie prices 12 South African accounts on how you actually bank: your debit orders, payments and cash withdrawals. Ordered by cost to you, never by who pays us.
- Everyday, mid-range and premium accounts
- Income rules and what each account includes
- Credit-linked accounts matched to your score
- Fees checked every year when banks change them
Every debit order, and which ones crept up.
Tjommie lists every debit order, who it goes to and the day it leaves, then compares three months to catch increases you'd never spot in a banking app.
- Which debit orders come back every month
- Price increases, with the yearly cost
- Debit orders that leave before payday
- Monthly reports you can look back on
See where you stand among South Africans.
Your net worth against every adult in the country and people your age, plus who owns South Africa and how that's changed in a century.
Next: Tjommie does it for you.
Stop doing money admin.
Let Tjommie do it.
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.