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Smart budget
The key to managing your money well and staying on top of your spend is setting a budget and sticking to it.
The smart budget tool automatically tracks and sorts your spend so that you're always in control of it:
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Set budgets and alerts for each category of spend
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There are many categories to choose from, such as eating-out & treats, travel & holidays, savings & investments, and more
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You can see your total budget set versus your money-out and easily take control of your spending
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Smart alerts let you know when you have reached specific spend thresholds, with the option to set alerts for 50%, 70%, 90% and when you have spent more than your limit in that spend cycle
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To get you started and help make it easier, you can set multiple budgets and alerts all at once based on your current average spent.
How to set up a smart budget
Once logged into your profile, tap 'nav-igate' then 'nav» Money' and set up your smart budget.
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Credit status
We assess various data, including credit bureau info, to rate your credit fitness across seven indicators. This tool helps you manage your credit and impacts your financial future, so it is good to understand your strengths and weaknesses.
Your credit behaviour is assessed over a two-year period and is therefore not a quick-fix. It's why positive credit behaviour is so important. Plus, you will also receive personalised tips, likelihood to qualify for credit and credit offers.
Note: Your credit status reflects your credit behaviour only and is not a response to a credit request.
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Savings goals
Start saving for that special event, alterations to your home, a much-needed holiday for the family and much more. Starting today, your savings goal will enable you to easily set up, manage and track your progress so that you can reach your goal in no time.
How to set up a savings goal
Once logged into your profile, you can set up a goal based on your current need, with an array of savings categories to choose from, with a monthly scheduled transfer which can be paused at any time. You can even invite contributions from family and friends to help you realise your dreams faster.
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My net worth
Uncover the money you really have
Get an auto-populated view of what you own minus what you owe. From your properties, vehicles, retirement investments and revolving facilities. You can also complete the picture by adding investments, art, collectables and more. Also get helpful tips to grow your net worth.
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My available funds
Your available balance reveals if you have sufficient funds to make more payments before the next cash deposit into your account. It calculates, based on your known upcoming payments, if you are in a 'possible cash, 'possible available overdraft/facility or 'possible shortfall' situation.
You can also use the 'Help me make it' function that will highlight available options to manage your cash flow.
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Money Coach missions
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Spend less than I earn
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For me
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Manage my debt
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Save for an emergency
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Protect my family
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Protect my income
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Manage my assets
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Provide for my retirement
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Provide for my education
