Full System Tool

Work through your SA estate plan step by step, with live calculators.

14 sections. 10 live calculators. A trust comparison tool and wealth scorecard. Everything you need to understand your estate exposure and identify which legal structures apply to your situation.

Includes Full System Tool + PDF Reference Guide. Best value.

Instant access 7-day guarantee Works on any device Once-off payment
Why the Tool

Reading about estate planning is different from working through your own numbers.

Live Calculators

Enter your estate value, liabilities, and asset types. The calculators show your real exposure using current SARS rates, not a generic example.

Trust Comparison Tool

Model your estate with and without a trust. See the difference in estate duty, executor fees, and what transfers to your heirs in both scenarios.

Compliance Checklist

Update your checklist as you go. Your progress saves automatically, so you always have a clear picture of which areas are addressed and which still need attention.

14 Sections

Free navigation. Work through them in order or by topic.

Each section covers one topic. Read, interact with the calculator, update your checklist, and move on. Nothing is locked — jump to any section freely, and your checklist progress saves automatically. No video, no login, no subscription. Works on phone, tablet, or desktop.

1

Dashboard

Your control panel: 2026/27 key numbers and a quick risk snapshot.

2

How to Use the System

The right order to work through your wealth plan.

3

Estate Costs + Liquidity

Estate duty, executor fees, CGT and the cash your family needs.

4

The Trust + Company Model

When a trust and (Pty) Ltd help, and when they hurt.

5

2026/27 Tax Reference

The key SARS rates, thresholds and exclusions in plain English.

6

Donations Planner

Move wealth intentionally within the R150,000 annual exemption.

7

Retirement + TFSA

Use the R430,000 RA cap and R46,000 TFSA limit strategically.

8

CGT + Property

Model capital gains and think before moving property.

9

Life Cover + Liquidity

Make sure there is cash when estate costs fall due.

10

Advanced Strategies

Section 7C, crypto, offshore and travel, done cleanly.

11

Compliance Command Centre

The yearly checklist that keeps your structure valid.

12

10-Year Roadmap

Build the plan in the right phases, year by year.

13

Advisory Team Builder

Assemble and question the right professionals.

14

Glossary + Sources

Plain-English definitions and the 2026/27 source notes.

What You Get

Everything in one browser-based course.

No app to install. No account to create. Access the Full System Tool immediately after purchase by clicking the link in your order email. Works on any device with a browser.

  • 14 sections covering every SA estate planning topic
  • 10 live calculators using 2026/27 SARS rates on your actual numbers
  • Trust vs no-trust comparison to model your estate under both scenarios
  • Progress tracking and wealth scorecard updated as you work through each section
  • annual compliance checklist to identify exactly where you are exposed
  • Attorney preparation roadmap — questions, documents, next steps
Inside the Tool

See exactly what you are getting.

Every screen shown below is part of what you access immediately after purchase.

Full System Tool

Full System Tool

R499 once-off
  • 14 sections, free navigation
  • 10 live estate-planning calculators
  • Trust vs no-trust comparison tool
  • Progress tracking and wealth scorecard
  • Works on any device. No login required.
7-day satisfaction guarantee. If it does not meet expectations, contact us.
Most Complete Option Best Value

Get more with the Complete Combo

The Complete Combo includes this Full System Tool plus the PDF Reference Guide — an 11-part printable document you can keep alongside your tool and use before every attorney meeting.

  • Everything in the Full System Tool
  • Printable PDF reference guide (R199 value)
  • 2026/27 SARS quick-reference table
  • Saves R99 vs buying separately
  • Once-off payment, lifetime access
  • Most complete option available
R599 once-off

Full System Tool + PDF Guide included

Common Questions

Frequently asked

How do I access the Full System Tool after purchase?
Immediately after checkout, Shopify sends a link to the email address you used. Click the link to open the Full System Tool in your browser. No account is required. No app to install. Access it from any device at any time.
Is this legal or financial advice?
No. Money Secrets SA is educational content only. The course explains how South African estate planning law and tax work in plain language. It does not provide personal financial, legal, or tax advice. Use the knowledge to have better, more informed conversations with a qualified estate planning attorney.
How long does the Full System Tool take?
Approximately 2 to 3 hours to work through all 14 sections, depending on how much time you spend with the calculators and comparison tools. It is self-paced. You can stop and continue at any time, in any order.
What is the difference between the Full System Tool and the Complete Combo?
The Full System Tool is an interactive browser-based experience. The Complete Combo adds the PDF Reference Guide: an 11-part printable document to use alongside the tool and before attorney meetings. The Combo is R599 versus R698 if bought separately, saving R99.
Is there a refund policy?
We offer a 7-day satisfaction guarantee. If the Full System Tool does not meet your expectations, email us within 7 days of purchase. As a digital product, refunds are reviewed on a case-by-case basis.
Educational Content Disclaimer: Money Secrets SA provides educational content only. It does not provide financial, legal, or tax advice. Always consult a qualified professional before making financial, legal, estate planning, or tax decisions.
Ready when you are

Start with the Combo. Or the Full System Tool on its own.

Either way, you arrive at your attorney meeting knowing what questions to ask and what to do next.