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Decode my payslip

The track

Five lessons, in order, from "payday" to "sorted": buffer, TFSA, retirement, insurance, credit. Each ends with a short quiz. Progress saves on this device.

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1Lesson 1: The emergency fundWhy cash in the bank comes before every clever money move — and how much is enough.4 min + quiz
2Lesson 2: The TFSASouth Africa's best tax break: how tax-free savings accounts work and the rules that matter.5 min + quiz
3Lesson 3: Retirement & the RAHow retirement saving actually works in South Africa: the tax deduction, the two-pot system, and why starting early is unfair (in your favour).5 min + quiz
4Lesson 4: Insurance that mattersGroup life, disability cover, medical aid and gap cover — which protections actually matter when you're young.5 min + quiz
5Lesson 5: Credit without the trapHow credit scores work, the difference between good and expensive debt, and using credit as a tool instead of a lifestyle.5 min + quiz
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FirstCheque

Understand your money from your first payslip. Built for young professionals in South Africa.

Tools

  • Payslip decoder
  • Salary comparison
  • TFSA tracker
  • RA calculator
  • Bonus tax calculator
  • Two-pot calculator
  • Policy decoder
  • Filing checklist
  • Salary benchmarks
  • Lessons
  • Learn

The fine print

FirstCheque is an educational tool, not a financial services provider. Nothing here is financial advice as defined in the FAIS Act. Figures use SARS 2026/27 tables and may differ from your actual payslip. Speak to a registered financial adviser before making product decisions.