For the second half of your working life
Fifteen practical financial planning tools for South Africans thinking seriously about retirement — with Halo, an AI coach that reads your numbers and coaches you through the decision.
3 free toolsAI coach includedWorks offlineInstall as an appCancel anytime
Halo
Halo knows which tool you're in and what your numbers say — and coaches you from there, in plain language.
From R89/m
Pay monthly in ZAR via PayFast. Cancel anytime from your dashboard — access runs to the end of your cycle.
PWA
Install on phone or laptop. Your calculations run in your browser and stay on your device.
2024/25
SARS tables, two-pot rules, Reg 28 — kept current so your decisions stay sound.
Meet Halo
Halo provides educational coaching, not financial advice. For advice tailored to your circumstances, consult an FSCA-registered financial adviser.
How it works
No onboarding maze. No spreadsheets to download. Pick a tool, enter what you know, get an answer you can act on.
Each one is a single screen, designed to be used in fifteen minutes or less. No dashboards to learn, no setup to wade through.
Calculations run in your browser — we never see them. Save locally, install as a PWA, work offline.
Halo reads your result and coaches you through what it means — in plain language. Then act, or take sharper questions to your planner.
The toolbox
From a two-pot withdrawal calculation to a full retirement income plan — every tool is a single screen, and Halo is on call inside each one.
See what time and consistent contributions can do. The first principle every plan rests on.
Ten questions, one honest score. Find out where you stand before you decide where to go.
SARS 2024/25 rules built in. Model your savings pot withdrawal — tax, penalties, growth cost — before you decide.
Find the rands that aren't earning their keep. Categorise, prune and redirect with a clear before/after view.
Assets minus liabilities in one screen — with an estate-level view so nothing's hidden.
Avalanche vs snowball, side by side. Knock out debt in the order that actually saves you money.
A 5-minute self-audit against the five non-negotiables of a sound financial plan.
Pull every decision into a written plan you can hand to your spouse, your CA, or your future self.
Project income through retirement under your real assumptions — inflation, returns, longevity.
Stress-test your living-annuity drawdown. See where the cliff is, and how to stay off it.
Compare three retirement paths side-by-side. Same inputs, different choices — see the consequences.
Overpayment scenarios, prime rate shocks, the saving from cutting years off the term — all visible.
Pay down the bond or invest the extra? Modelled across realistic return ranges.
Project a TFSA, RA or discretionary investment with regular contributions and realistic fee drag.
Blend unit trusts and ETFs into one portfolio — expected return, fee load and risk in a single view.
Start here
Sign up free in 30 seconds and get the three tools South Africans ask about most — plus 3 Halo coaching questions a month and a weekly coaching email.
Ten questions, one honest score out of 100 — and the three moves that would lift it most.
SARS 2024/25 tax tables built in. See exactly what a savings pot withdrawal costs you — in tax today and growth foregone — before you make the call.
The single most important number in your second half. See what consistent contributions do over 10, 20, 30 years.
The first calculator that didn't try to sell me a policy. I worked out what a two-pot withdrawal would actually cost me — and decided to leave it where it is.
Pricing
Start free — no card needed. Upgrade anytime in ZAR. Monthly subscription, cancel whenever you like.
Free
No card · no commitment
Essential
Cancel anytime · access to end of cycle
Premium
Cancel anytime · access to end of cycle
Billed monthly via PayFast · Card, Instant EFT, SnapScan · Switch plans or cancel from your dashboard
FAQ
Yes — completely free, no credit card. You get the Compound Growth Calculator, Retirement Readiness Score, Two-Pot Tax Calculator, your personal dashboard, 3 Halo coaching questions a month, and a weekly coaching email. Upgrade from your dashboard when you're ready.
Halo is wired into the tools. When you ask a question from inside a calculator, it already has your inputs and your result — so it coaches on your numbers instead of giving generic answers. It works within FAIS boundaries: educational coaching only, never product recommendations.
No. Halftime Tools provides planning calculators and educational coaching. For advice tailored to your circumstances, speak to an FSCA-registered financial adviser — Halo will even help you prepare better questions for that conversation.
Subscriptions are billed monthly in ZAR via PayFast — card, Instant EFT, SnapScan and the usual South African options. R89/month for Essential, R169/month for Premium. No long-term contract.
Yes — one click from your dashboard. Your access continues to the end of the billing cycle you've paid for, and your account simply drops back to the free tier afterwards. No phone calls, no retention scripts.
Nothing changes. Early supporters who bought once-off access keep their tools indefinitely, exactly as promised. If you'd like Halo coaching as well, you can add a subscription at any time.
Halftime Tools is a Progressive Web App. Install it to your home screen or desktop and use the calculators without an internet connection. Halo needs a connection to respond, but your tools and data don't.
Calculations run in your browser. We store your sign-in email, your subscription status, and anonymised usage events that help us improve the tools — never the financial numbers you type into a calculator. We don't sell your details.
The current version is priced in ZAR and tax-modelled for South Africa. If you'd like USD, GBP or EUR pricing, email winning@halftimefinancial.io.</