budget.wana.co.za

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Enterprise Household Accounting & Capital Reinvestment Engine

Total Monthly Income

R 170,000

Baseline Household Inflow

Needs (Target: 50%)40.1%

R 68,200

Wants (Target: 30%)2.4%

R 4,107

Monthly Surplus7.4% Saved

R 97,693

Available for Capital Pipeline

PDF & CSV statements processed via local workstation GPU node (10.8.0.8)

qwen2.5:7b Local GPU

Assign Statement Entity:

Click to select or drop HUSBAND Bank PDF / CSV statement

FNB, Standard Bank, Nedbank, Capitec • Auto-reconciles counter-party transfers (±48h)

SA Tax Year 2026/27

Section 6A Medical Tax Credit

Statutory tax credit for 2 Adults (R364 × 2) + 2 Children (R246 × 2) deducted directly off tax liability.

Monthly CreditR 1,220

Annual SARS RebateR 14,640

Section 11F RA Deductions

Capped at lesser of 27.5% of taxable income or R350,000 p.a. Assumes 36% marginal tax bracket.

Monthly RA OutflowR 4,500

Est. Tax ShieldR 19,440

Liability Ratio Normal

Chery Tiggo (Finance + Fuel + Ins)R 12,480 / mo

Income Burden Ratio:7.3% (Threshold: 15.0%)

Reducing-balance depreciation (~14%/yr). Car payments and high fuel consumption deplete cash surplus that could capitalize software infrastructure.

Computing & Workstations-33.3% / yr

Est. Annual Straight-Line Depreciation:R 1,533 / year

Hardware workstation components depreciate over 36 months. Must be treated as capital tools justified strictly by billable engineering hours.

Vehicle Capital Opportunity Cost

If vehicle expenses were streamlined by 35% (R 4,368/mo) and directed to an S&P 500 ETF:

10-Year Lost ValueR 894,763

20-Year Lost WealthR 3,316,923

Live Optimistic Sync

Real-time manual overrides. Edits trigger background PATCH and recalculate surplus instantly.