Built for South African investors who outgrew the spreadsheet

Why Libevyn was created

Like many serious SA investors, I tracked my net worth in a multi-tab spreadsheet: EasyEquities, an RA, TFSAs at more than one provider, offshore, property, cash. Every month the ritual worked, until it did not. Formulas broke, limits changed after Budget, and no single view showed my combined TFSA room before a 40% penalty.

The alternatives were not much better. US and UK net-worth apps are expensive, built for Roth IRAs and 401(k)s, and ignore that an RA is typically inaccessible until a statutory access age (fund rules differ). Local budgeting aggregators want bank credentials and still struggle to show wealth over time the way DIY investors actually plan.

I built Libevyn to be the tool I wanted: one ZAR view across providers, SA tax buckets that make sense, cross-provider TFSA room, a path to retirement that understands accessible vs restricted wealth, and a runway for living from the money, without asking for bank passwords.

About the Founder

I come from an engineering background. I am not a financial adviser, fund manager, or influencer, just an ordinary South African investor who got frustrated enough to ship software. I use Libevyn for my own wealth plan, and early subscribers shape what we build next.

Questions, bugs, or ideas: hello@libevyn.com. I read every message.

Transparency: your data, security, and scale

Wealth planning only works if you trust the product with sensitive numbers. Here is how Libevyn handles that, in plain language. More detail is in our Privacy Policy and Terms of Use.

You own your numbers

• No bank login. You enter balances yourself. Update the balances that matter when you want to refresh your plan. No automatic SARS access, and Libevyn does not execute investments.
• Provenance on totals. Every figure shows which accounts and snapshots it came from.
• POPIA-aware. You can request access, correction, or deletion of your account and data (see Privacy Policy).
• No selling your data. We do not sell personal or financial information to brokers or advertisers.

Encryption and access control

• Encryption in transit: all traffic between your browser and our servers uses HTTPS (TLS).
• Tenant isolation: your account data is logically separated; one subscriber cannot read another's portfolio.
• Secure sign-in: passwordless email codes and industry-standard authentication.
• Payments: card details are handled by a certified payment provider; we do not store your full card number or CVV.

Backups

Your data is backed up automatically with point-in-time recovery so we can restore from operator error or infrastructure failure. Backups are part of our production operations, not an afterthought.

Infrastructure and scaling

Libevyn runs on a modern, scalable platform. As more subscribers join, we add capacity without rewriting the product. You should not notice growing pains because we waited until traffic spiked to think about scale.

Pricing honesty

Libevyn is a paid product, no ads, no selling your data to make money. Today we offer founding member pricing (see pricing) for early subscribers who help shape the roadmap.

• Founding members keep the rate they signed up for for the term they chose (monthly or annual), we will not silently re-price you mid-subscription.
• Future standard pricing may increase for new subscribers as we add SA tax engines and features. We will communicate changes clearly on the website and by email, no surprise invoices.
• Annual billing lets you lock in a year at checkout; you know what you are paying for the period you selected.

If we ever change what is included in a plan, existing subscribers will hear from us before it affects them.