The Lifestyle Calculator is an educational financial modelling tool operated by Lifestyle Calculator. It does not provide personalised financial advice. These documents explain how the tool works, how we handle your information and what your rights are.
The legal documents available on this website are currently draft documents prepared for the initial operation of Lifestyle Calculator. They are provided as an interim framework and are subject to review, amendment and approval by a South African attorney and/or suitably qualified compliance professional.
These documents will be updated once the legal and compliance review has been completed. The final versions may contain additional provisions, amendments or changes required to ensure that the website's terms, privacy practices, consumer disclosures and financial-services positioning are appropriately aligned with applicable South African legislation.
The publication of these draft documents does not constitute a representation that Lifestyle Calculator is currently compliant with every law, regulation, licence requirement, registration requirement or regulatory obligation that may potentially apply to the website or its activities.
Users should refer to the latest published version of each document once the legal review has been completed.
Lifestyle Calculator is an educational financial modelling and planning tool. The information, calculations, estimates, projections, benchmarks, scores, recommendations, scenarios and other outputs it provides are intended for general educational and informational purposes only.
Lifestyle Calculator does not provide personalised financial advice, investment advice, tax advice, accounting advice, legal advice, debt counselling, credit advice, insurance advice or any other regulated financial service. The calculator does not determine which financial products, investments, loans, insurance policies or retirement products are suitable for a particular person.
Users remain responsible for reviewing their own financial circumstances and obtaining appropriate professional advice — including from an authorised financial services provider where regulated financial advice is required — before making significant financial, investment, tax, legal or credit decisions.
No result generated by the calculator constitutes a guarantee, promise or prediction of future financial performance or financial outcomes.
How we collect, use, share, store and protect your personal and financial information, including the budget documents you choose to upload.
The short-form notice required under the Protection of Personal Information Act, describing the responsible party, the information processed and your rights as a data subject.
The agreement that governs your use of the Lifestyle Calculator website, account, software and services.
Rules for visiting and browsing the website itself, including acceptable use, links and electronic communications.
Which cookies and similar browser storage this website actually uses, and how you can control them.
The Lifestyle Calculator is an educational financial modelling tool. It is not financial advice and its results are estimates.
The risks that affect every projection in the calculator, including market, property, interest rate, inflation and personal risk.
Limits on the information, availability and accuracy of this website and the calculator, subject to South African law.
How automated calculations and AI-assisted document scanning work in this app, and what you remain responsible for.
What you should know if we refer you to a financial adviser, insurer, accountant, bond specialist or other professional.
Manual published in terms of section 51 of the Promotion of Access to Information Act 2 of 2000 (PAIA), describing who we are, the categories of records we hold, and how to request access to a record.
How to access, correct or delete your information, ask how it is processed, or raise a privacy complaint.
Your rights as a consumer under South African law, and our commitment not to contract out of rights that cannot be excluded.
How to complain about the service, a privacy matter, a technical issue or a calculation, and what happens next.