About FinEQ
FinEQ brings education, practical planning and qualified human support into one connected experience while respecting a person’s control over their information.
Why FinEQ exists
These findings describe different groups and different kinds of financial strain. They are not a verdict on any one person. They explain why FinEQ starts with understanding your money, making a workable plan and finding support on your terms.
53%
Of 18,000 DebtBusters Money Stress Tracker respondents, 53% spent more than 40% of take-home pay on debt repayments.
This is a survey of respondents, not a measure of every South African adult. It describes repayment pressure, not a threshold that determines whether a person qualifies for debt counselling.
~12m
FinMark Trust estimates that about 12 million South African adults face distress when informal-only borrowers are included.
Its 2024 FinScope findings distinguish roughly 10 million over-indebted adults from the wider estimate of approximately 12 million facing distress once informal-only borrowing is included. The underlying survey interviewed 5,600 adults aged 16 and over.
75%
Among adults who borrowed in the preceding year, 75% used credit for essentials such as food in 2024.
This percentage is about adults who borrowed, not 75% of all adults. It describes why people used credit; it does not say that every borrower is over-indebted.
A clearer picture can begin with one month, one question or one conversation.
Inside FinEQ
Explore three examples of the tools inside the platform.
Plan income and outgoings, record amounts as they happen, and compare saved months.
Explore personal tools
BudgetIllustrativeMy money
Income
R 18 000
Planned outgoings
R 13 400
Planned balance
R 4 600
Track what happened
Planned categories
Illustrative screens based on current features. Actual values and access depend on your account and role.
Our mission
We want people to understand their position, build workable habits and reach appropriate support without judgment or unnecessary disclosure.
Our vision
We are building a connected financial wellness ecosystem where individuals, qualified counsellors and employers can each do their part within clear boundaries.
Trust and privacy
Your personal budget, debts, goals and conversations belong to your private workspace. Joining a company does not hand it your individual record.
A case or appointment does not automatically unlock your profile. Private access requires a specific request you can review and approve for a limited time.
Employer reports use permitted group measures with minimum-cohort safeguards. They do not contain named debts, salaries or counselling notes.
We do not use your financial information to send unsolicited marketing. Service and account messages are separate from any optional communications.
FinEQ’s planning and learning tools do not replace professional debt advice. If you are considering formal debt counselling, check a counsellor’s registration directly with the National Credit Regulator and ask the practice to explain its process and fees.
Check the NCR registerChoose the path that fits your role.
