Good questions.
Clearer money
decisions.
Research and perspectives on the forces shaping financial life in South Africa - from housing affordability to the small decisions that make a month work. Look closer. See what changes.
What happens when a household has no room left?
Another rate hike makes the headlines. But the deeper story is about financial headroom — and how people rethink everyday decisions when every rand already has a job.
Explore the questions
behind the numbers.
Each insight starts with a real-world question, then follows the data to understand what may be changing and why it matters.
Financial Fatigue 2026: the cost of running out of room
The repo rate is one part of the story. Explore how household costs, repayment pressure and social conversation point to a growing need to see further ahead.
Home loan affordability in South Africa
What a survey of 2,017 homeowners suggests about bond-payment pressure and how affordability can vary even among people who already own a home.
Insights published so far.
More research is in progress. The aim is not more noise - it is better questions, grounded in evidence.
How does your home-loan rate compare?
Explore your rate and put your own numbers in context.