Dashboard
Additions
Spec

Line items to include: FNB transactional account balance, FNB savings balance, any investment account values (EasyEquities, RA), any receivables currently outstanding (money owed to you by clients), estimated equipment value (laptop, gear). Do not include speculative values — use current realisable values.

Convert any USD-denominated debt to ZAR at the current spot rate for consistency. If you have no debt currently, this stays at zero — still include the field so the structure is there when it's relevant.

Display as a large IBM Plex Mono stat with month-over-month delta. A green delta means the number grew. A red delta means it shrank. No smoothing — show the real number. Log each monthly snapshot to build a historical series you can chart over time.

Store: date (month/year), assets total, liabilities total, net worth. Do not overwrite — append. After 6 months you'll have a trend. After 12 months it becomes genuinely informative.

Separate from what you've already received. This field is for income you've invoiced or contracted but not yet collected. Convert any foreign currency amounts to ZAR using the current rate at time of entry and note the rate used.

This is your floor. The number that goes out regardless of income. Should be broken down by category in the input, displayed as a single total on the main view.

Pull this from your FNB transaction history if you can. Otherwise enter a weekly estimate every Monday as part of the review rhythm. Over 3 months this becomes a reliable average you can use for forecasting.

Display prominently in green or red based on sign. This is the number that triggers action: if it's negative two months in a row, something needs to change — either expenses or you need to invoice faster.

For months 2 and 3 of the forecast, if no income is confirmed, default to your 3-month income average. Flag any month where projected net position is negative in orange. Flag any month where the buffer would drop below 1 month of fixed costs in red.

If you pay yourself a fixed owner's salary from the business, use only that salary amount for the personal savings rate calculation. The business's cash is not your income until you take it out.

Track this separately from the emergency fund build vs ongoing savings. Once the emergency fund is complete, this number should represent deliberate wealth-building moves only.

Display as a large percentage stat with a 3-month rolling average below it. The rolling average smooths out months where a big invoice distorts the number. Display a progress bar toward the 20% target.

Display as "X.X months" not as a ZAR amount. The months figure is more visceral and actionable than the rand amount. Once you hit 6 months, stop growing this — redirect to investment.

Required fields per entry: Date received, Client name, Invoice number, Source currency (USD / EUR / NGN / other), Source amount, Conversion platform (Wise / SWIFT / FNB Forex), Rate applied (rand per unit of foreign currency), ZAR equivalent received, Fee paid (if trackable), SARB-compliant? (checkbox). Optional: notes field for anything unusual.

SA tax year runs March to February. The YTD counter should reset on 1 March each year. Show breakdown by currency: USD total, EUR total, NGN total, other. Each should show both source-currency total and ZAR equivalent.

Calculate as: total ZAR received ÷ total foreign currency converted. A lower rate than the market average means you're losing money on conversion — either on fees, unfavourable timing, or a poor platform.

Gross income minus: home office deduction (if applicable), RA contributions made, legitimate business expenses. Do not subtract anything you haven't formally documented — SARS requires evidence for every deduction.

Fields per deduction: Date, Category (home office / software / professional development / travel / client entertainment / other), Amount, Receipt reference, Notes. Category totals feed the taxable income calculation. This doubles as your SARS audit trail.

Calculation approach: annualise your YTD taxable income (YTD income ÷ months elapsed × 12), apply SARS marginal rate brackets for individuals, subtract primary rebate (R17,235 for 2026 tax year), divide by 2 for each provisional payment. Display clearly as an estimate, not a final figure. Link to your accountant's last confirmed amount for comparison.

Rule of thumb for provisioning: set aside 25–30% of every payment received into a dedicated savings bucket labelled "Tax Provision." Do not touch this money. It is not yours — it belongs to SARS. If you can open a separate FNB savings account named "Tax," do that.

Display as days remaining. When less than 60 days out, change to orange. When less than 30 days, red. Include a note field for "accountant engaged Y/N" so you can track whether you've started the process early enough.

Do not net out outstanding receivables. Use only the actual cash you have now. Money owed to you is not the same as money in the account — especially if your clients have a history of paying late.

Should include: your owner's salary (what you pay yourself), Claude API costs, any software subscriptions for BXS tools, phone and internet if business-only, professional memberships. Do not include your personal living costs — those are on the personal side.

Display as a large IBM Plex Mono stat. Colour states: green if 3+ months, orange if 1–3 months, red if under 1 month. A red state means stop everything and focus on generating income. Display prominently — this number should never be a surprise.

Fields per entry: Client, Invoice number, Invoice date, Due date, Amount (ZAR), Days overdue (auto-calculated from today vs due date). Flag anything overdue in orange, anything 30+ days overdue in red. This log drives your follow-up behaviour — no more forgetting to chase invoices.