🇿🇦 Built for South African households
Find out where your money is disappearing every month
Raka Spend compares your spending against thousands of South African households and shows you exactly where you're overpaying — in minutes.
R19/mo
Premium plan
2 min
Setup time
100pts
Savings Score
Trusted by households across South Africa — from Cape Town to Joburg
Three steps to your Savings Score
No spreadsheets. No accountant. Just honest answers about where your money goes.
Takes 2 minutes, saves hundreds
Tell us what you spend on groceries, fibre, mobile, insurance, and fuel. That's it — no bank logins, no credit checks.
Real SA benchmarks, not guesses
We compare your spend against real South African household benchmarks by province and income bracket — so you get apples-to-apples numbers.
See your score out of 100
See a score out of 100, your estimated monthly savings, and exactly where to cut costs first — ranked by impact.
68
/ 100
Potential savings
R1,240/mo
Everything you need to stop overpaying
One dashboard. Four tools. Total clarity on your household spend.
Savings Score
Know instantly if you're over or underpaying versus households just like yours. Your Savings Score out of 100 turns complex data into one honest number — and tells you exactly where the leaks are.
Cost Benchmarks
Real data from SA households by province and income bracket. Not averages from a spreadsheet — actual spending patterns from households like yours.
Monthly Tracker
Watch your spend trends improve over time. Log your monthly spend and see your score climb as you cut costs in the right places.
AI Advisor
Ask “Am I spending too much on fibre?” and get a data-backed answer. No fluff — just honest answers grounded in what SA households actually pay.
South Africans saving real money
“Saved R650/month on my fibre and insurance — wish I found this sooner.”
Thandi M.
Johannesburg
“I had no idea I was paying R200 more than average for mobile data every month. Switched within a week.”
Sipho K.
Cape Town
“The Savings Score made it so easy to see where the problem was. Saved over R900 in the first two months.”
Priya N.
Durban
Less than a loaf of bread
R19/month can save you hundreds. No contracts, cancel anytime.
Free
Start understanding your spend
R0/month
- Savings Score
- Basic benchmarks
- 2-minute setup
Premium
Cheaper than a loaf of bread
R19/month
- Everything in Free
- Full dashboard
- Monthly cost tracker
- AI Advisor
- Price-drop alerts
Ready to find out where your money's going?
Takes 2 minutes. Free to start. Potentially saves you hundreds every month.