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Financial planning

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Make money moves

Easily track your auto-categorised spend, set smart budget alerts, view your free credit status, set saving goals, get an auto snapshot of your net worth, get money smart with a money coach, and so much more.

nav» Money tools

All you need to manage your money.

Smart budget

Take control of your spend and get alerted every step of the way.

My available funds

Know what's left to save and spend for the month after all known upcoming payments.

My credit status

View your credit status and personal offers at any time and access practical credit tips.

Savings goals

Set a specific goal and track your progress to stay motivated.

My net worth

Get a snapshot of what you own minus what you owe.

Will and legacy planning

Draft your will on the FNB App and get a personalised estate calculation to see if what you leave behind will be enough to support the ones you love.

Money Coach

Welcome to your smart money guide.

Get your personalised money scores which help you understand how well you are doing on your financial wellness journey. Plus, learn with easy-to-understand podcasts, quick tips and quizzes, all to help you set and reach your money goals.

There are nine missions to complete:

  • Spend less than I earn

  • Manage my debt

  • Save for an emergency

  • Protect my family

  • Protect my income

  • Manage my assets

  • Provide for my retirement

  • Provide for education

  • For me

 

Smart budget

  • There are many categories to choose from, such as eating out & treats, travel & holidays, savings & investments, and more.

  • You can see your total budget set versus your money-out and easily take control of your spending.

  • You can also set smart alerts that let you know when you have reached specific spend thresholds, set alerts for 50%, 70%, or 90% and when you have spent more than your limit in that spend cycle.

How to set up a smart budget

Once logged into your banking profile, tap 'nav-igate life', then 'nav» Money', then 'Smart budget' and set up your smart budget.

 

My credit status

We assess various data, including credit bureau info, to rate your credit fitness across seven indicators. This tool helps you manage your credit and impacts your financial future, so it is good to understand your strengths and weaknesses.

Your credit behaviour is assessed over two years therefore not a quick fix. It is why positive credit behaviour is so important. In addition, you will also receive personalised tips, your likelihood to qualify for credit and credit offers.

Note: your credit status reflects your credit behaviour only and is not a response to a credit request.

 

My available funds

Your available balance projects if you have sufficient funds to make more payments before the next cash deposit into your account. It calculates based on your known upcoming payments if you are in a 'possible cash', 'possible available overdraft/facility' or 'possible shortfall' situation.

You can also use the 'Help me make it' function that'll highlight available options to manage your cash flow and add or remove projected payments for a more accurate view.

 

Savings goals

Save for an emergency, improvements to your home, a much-needed holiday for the family and much more. Starting today, your savings goals will enable you to set up, manage and track your progress so that you reach your goal in no time.

How to set up the savings goal

Once logged into your profile, you can set up a goal based on a current need, with an array of savings categories to choose from and a monthly scheduled transfer which can be paused at any time. You can even invite contributions from family and friends to help you realise your dreams faster.

 

My net worth

Uncover the money you really have.

Get an auto-populated view of what you own minus what you owe, from your properties, vehicles, retirement investments and revolving facilities. You can also complete the picture by adding investments, art, collectables and more. Also get helpful tips to grow your net worth.

 

Download the FNB App

First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider 1929/001225/06 (NCRCP20).