Guides

South African wealth guides

No-BS explainers for the questions Libevyn was built to solve — starting with where your next contribution goes. Planning information only — not financial or tax advice.

• How to compare TFSA vs RA for your next contribution

  Same-rand comparison of TFSA room, Section 11F headroom, current-year tax effect, and access — with a link to the free calculator.

• TFSA contribution limits for 2026/27

  Annual R46,000 and lifetime R500,000 limits, tax year dates, penalty rules, and what counts as a contribution.

• How to track TFSA room across multiple providers

  Why each provider only shows their slice, and how to see your combined annual and lifetime room before a 40% penalty.

• How to track net worth across EE, RA, TFSA and property

  Why no single provider shows your full ZAR net worth, what to track by tax bucket, and spreadsheet vs wealth-first tools.

• 22seven and Vault22 alternative for wealth tracking

  Honest comparison: budgeting vs net worth, bank sync vs manual entry, TFSA room, and who each tool is for.