Percentage rules

What are percentage rules?

Percentage rules automatically distribute a portion of your deposit to one or more accounts based on the percentages you specify.

• Flexible splitting: Divide deposits across any number of eligible accounts

• Works with all accounts: Available for Emergency Savings, Savings pots, Tax-Free Savings, Investment accounts, and Retirement Annuity

• Automatic processing: Runs every time money lands in your Cash account

Use percentage rules when you want to consistently allocate a fixed proportion of your deposits across multiple goals.

How percentage rules work

When money arrives in your Cash account, percentage rules calculate your allocation based on what remains after any earlier rules have run.

For example, if you deposit R1,000 and an amount rule first takes R200, your percentage rule applies to the remaining R800. A 50% split would then allocate R400 to that account.

Key behaviours:

• Percentages are calculated on the remaining balance, not the original deposit

• You can split up to 100% across one or more accounts

• If your percentages total less than 100%, the remainder continues to the next rule or goes to Emergency Savings

Creating a percentage rule

You can create a percentage rule from the Automation rules screen.

1. Tap Add rule at the bottom of the rules list

2. Select Split by percentage from the rule type options

3. Tap Continue

4. Select the first account you want to include

5. Enter the percentage to allocate to this account

6. Toggle Stop at target if you want allocations to this account to stop once its target is reached (available for Emergency Savings, Tax-Free Savings, and Savings pots)

7. Tap Add another account to include more accounts in the split

8. For each additional account, select the account, enter its percentage, and configure stop at target as needed

9. Tap Confirm to save your rule

Your new percentage rule appears in your rules list. The preview card shows how your next deposit will be distributed.

Using stop at target

For accounts with savings targets (Emergency Savings, Tax-Free Savings, and Savings pots), you can enable Stop at target on each account in your percentage rule.

When enabled, the rule caps allocations to that account at the difference between the current balance and the target. Once the target is reached, that portion of the percentage passes to the next rule or to Emergency Savings.

Example: You have a percentage rule splitting 50% to Emergency Savings and 50% to your Investment Account. Your Emergency Savings has a R60,000 target and R55,000 balance.

• With stop at target enabled: R5,000 goes to Emergency Savings (capped), the rest goes to Investment Account

• With stop at target disabled: 50% goes to Emergency Savings regardless of target

Note: For Tax-Free Savings accounts, stop at target is always enabled to help you stay within the annual R36,000 contribution limit.

Example scenarios

Percentage rules work well for consistent, proportional savings across multiple goals.

Splitting between investment and savings

You want 60% of available funds to go to your Tax-Free Savings and 40% to your Investment Account:

If R1,000 remains after earlier rules, R600 goes to TFSA and R400 goes to your Investment Account. If TFSA has only R300 remaining until its contribution limit, R300 goes to TFSA and the remaining R700 goes to Investment Account.

Building multiple savings pots

You have three Savings pots for different goals:

A R2,000 remaining balance would allocate R1,000 to Holiday Fund, R600 to New Car, and R400 to Home Deposit. If Holiday Fund reaches its target, its 50% flows to the next rule.

Partial percentage allocation

You only want to allocate part of your deposits and keep the rest in Cash:

The remaining 70% continues to the next rule or stays in your Cash account.

Combining percentage rules with amount rules

Percentage rules are most effective when combined with amount rules in a sequence.

A common pattern is:

1. Amount rule for Emergency Savings with stop at target enabled (fills to your target amount first)

2. Percentage rule to split the remainder across investment accounts

This ensures your safety net is funded before distributing to longer-term goals.

Important: Rules run in order from top to bottom. The position of your percentage rule affects what balance it receives to calculate from. Drag rules to reorder them.

Managing your percentage rule

You can delete or reorder your percentage rule at any time.

Deleting a rule

1. Navigate to Automation rules from your home screen

2. Find the percentage rule you want to remove

3. Tap the delete icon on the rule

4. Tap Delete to confirm

The rule is removed immediately. Your next deposit will no longer use this allocation.

Changing rule order

1. On the Automation rules screen, press and hold the rule you want to move

2. Drag the rule to its new position

3. Release to save the new order