Estate planning tools for South Africa. One system, three ways in.
Every version covers the full estate-planning system. Choose how you want to go through it. All formats include lifetime access and a 7-day guarantee.
Reference Guide (PDF, 11 parts)
- All 11 estate-planning parts
- Estate duty, executor fees & CGT explained
- Trust structures in plain language
- Estate-planning checklist
- Printable. Instant download.
Complete Combo
Save an extra R99 vs buying separately
- Full System Tool (R499 value)
- Reference Guide (PDF, 11 parts) (R199 value)
- All 10 live calculators included
- 27-row SARS quick-reference table
- Save R99 vs buying separately
Full System Tool
- 14 interactive step-through sections
- 10 live estate-planning calculators
- Trust vs no-trust comparison tool
- Progress tracking & wealth scorecard
- Works on any device. No login.
Side-by-side comparison
| Feature |
PDF Guide
R199
|
Full System Tool
R499
|
Complete Combo
R599
|
|---|---|---|---|
| All 11 guide parts | ✓ | ✓ | ✓ |
| Printable PDF reference | ✓ | - | ✓ |
| Interactive web app | - | ✓ | ✓ |
| 10 live calculators | - | ✓ | ✓ |
| Wealth scorecard | - | ✓ | ✓ |
| Annual compliance checklist | ✓ | ✓ | ✓ |
| Attorney preparation roadmap | ✓ | ✓ | ✓ |
| Lifetime access | ✓ | ✓ | ✓ |
See your number before you decide.
Move the sliders. The result is what your family could lose under current 2026/27 SARS rules with no planning in place. The full system shows you how to reduce it, legally.
Your Estate Loss Snapshot
Indicative estimate based on current 2026/27 SARS rates.
Everything you need to know before you buy.
Is this legal or financial advice?+
No. Money Secrets SA is an educational digital product, not financial or legal advice. It helps you understand the legal structures, strategies, and SARS rules available to South African families so you can have more informed conversations with your estate-planning attorney or tax practitioner.
Is any of this risky or shady?+
No. Everything covered is written into South African law: wills, trusts, RA nominations, inter vivos structures, and SARS-approved planning tools. The goal is to help you understand what is legally available, not to suggest anything questionable. Every strategy is current as of 2026/27 SARS law.
Do I still need an attorney after working through this system?+
Yes, for implementation. The Full System Tool doesn't replace an estate-planning attorney. What it does is help you arrive at those meetings informed. The final section specifically prepares you for those conversations with a roadmap of what to discuss, what to ask, and what to prioritise.
Is this too advanced for me? I'm not a financial expert.+
No. It's built specifically for South African families, not tax experts. The language is plain and the structure is step-by-step. Live calculators do the maths for you. If you have a house, savings, children, or a business, this system is written for you.
Is this only for wealthy people?+
No. The principles apply from your first home onwards. The R3.5M abatement means many middle-income families are exposed without realising. The system shows you exactly where you stand at your current asset level.
How is it delivered?+
Instantly. After checkout you get immediate access via web file (Full System Tool) or download (PDF). The Complete Combo delivers both. No login, no subscription, lifetime access.
See what your family stands to lose.
Move the slider to your estate value. A simplified educational preview of the live calculators inside the Full System Tool.
Estimated cost to your estate on death
R0
That is 0% of what you built, before your family sees a cent.
See inside the tool and the guide
The demo above unlocks in full inside the paid system. Tap any image to inspect it up close.
Educational estimate only. This simplified demo reflects South African tax guidance for 2026/27 and is for illustration, not a calculation of your actual liability. It does not provide legal, tax, financial or fiduciary advice. Always consult a qualified estate-planning attorney and registered tax practitioner before acting.