MultiTool
Business & Finance Hub
Accessibility. Simplicity. Built for you.
Business Dashboard
Overview of your business activity at a glance.
Client Management
Store and manage your clients. Link them to invoices and appointments.
Projects & Tasks
Organise active work per client. Track stages and to-dos through to completion.
📲 Client Booking QR Code
Share this QR code with clients so they can book an appointment directly from their phone — no login required.
Appointments
Manage all bookings. Confirm, reschedule or cancel appointments and send reminders.
📋 Debit Order Mandate
Complete and print this mandate to authorise a monthly debit order for your MultiTool subscription.
Debit Order Mandate
MultiTool Subscription
I/We hereby authorise to debit my/our bank account monthly for my MultiTool subscription. This authority will remain in force until cancelled in writing with 30 days notice.
1. Account Holder Details
| Full Name | |
| ID / Company Reg No. | |
| Contact Number | |
| Physical Address |
2. Bank Account to Debit
| Bank Name | |
| Account Number | |
| Account Type | |
| Branch Code | |
| Account Holder (if different) |
3. Payment Details
| Beneficiary | |
| Plan | |
| Amount | |
| Debit Date | |
| Payment Reference | |
| Commencement Date |
4. Authorisation
| Signature | |
| Printed Name | |
| Date |
This authority complies with PASA regulations. You have the right to dispute any unauthorised debit at your bank within 40 business days.
💰 Cash Register
Ring up sales. Items linked to Inventory will deduct stock automatically on checkout.
Add Item
Payment
📦 Inventory
Track stock levels. Scan barcodes to deduct items as they are used or sold.
Financial Summary
Track income from invoices and monitor your business financial position.
Payment Reminders
Schedule automated payment reminders for clients.
Upcoming Reminders
View scheduled reminder emails and when they will be sent.
Quote Builder
Create professional quotes. Convert to invoice with one click when accepted.
Expense Log
Track every business expense. Used in VAT return and cash flow forecast.
VAT Return Helper
Calculates your VAT position from saved invoices and expenses. 15% VAT rate.
Cash Flow Forecast
3-month forward view based on confirmed bookings and logged expenses. Add expected income manually.
Client Statements
View all invoices and quotes per client. Email a statement directly.
Recurring Invoices
Set up monthly or weekly billing schedules. Get prompted when one is due.
Export Data
Download your business data as CSV files — ready for your accountant or spreadsheet.
Company Profile
Manage the business details used across invoices, quotes, reminders and client-facing documents.
upload logo
PNG or JPG recommended. Saved to your secure workspace.
Invoice Generator
Create a simple invoice and email it directly to a recipient.
Time Tracker
Track billable hours per client. Log entries manually or use the live timer. Create an invoice from time entries.
Privacy Policy
Last updated: 10 May 2026
1. Who We Are
MultiTool is operated by Kaizen Edge (Pty) Ltd ("we", "us", "our"), registered in South Africa. Contact: info@kaizenedge.co.za.
2. Information We Collect
We collect and process the following personal information:
- Client data — names, contact details, appointment and invoice records you enter into the app.
- Usage data — stored locally in your browser (localStorage) and in a server-side session. We use one functional cookie (
mt_device) to track your anonymous 60-day free trial period. This cookie is HttpOnly (not readable by scripts), contains only an opaque random token, and is not used for advertising or analytics. We do not use third-party tracking cookies. - Booking data — names, contact details and appointment times submitted via the public booking page.
- Email addresses — used solely to send booking confirmations and payment reminders.
3. Legal Basis for Processing (POPIA)
We process personal information on the following lawful grounds under the Protection of Personal Information Act, 2013 (POPIA):
- Contract — to deliver appointment booking and invoice services you have requested.
- Legitimate interest — to operate and maintain the platform for business management purposes.
- Consent — where you have explicitly agreed to receive communications.
4. How We Use Your Information
- To manage client records, bookings and invoices
- To send appointment confirmations and payment reminders via email
- To generate financial summaries and reports
- We do not sell, share, or transfer personal information to third parties for marketing
5. Data Storage & Security
Account, session, and client data is stored in a SQLite database on the server. Anonymous trial sessions are tracked server-side and associated with a browser cookie (mt_device; HttpOnly, SameSite=Strict). Your browser's localStorage is used for convenience features only (preferences, draft data). We implement reasonable technical measures to protect your data. You are responsible for securing access to the platform (server credentials, network security).
6. Data Retention
We retain personal information for as long as needed to provide the service, or as required by South African law (typically 5 years for financial records under the Tax Administration Act). You may request deletion of client records at any time.
7. Your Rights Under POPIA
You have the right to:
- Access — request a copy of the personal information we hold about you
- Correction — request correction of inaccurate information
- Deletion — request erasure of your personal information
- Objection — object to processing of your personal information
- Complaint — lodge a complaint with the Information Regulator of South Africa (inforegulator.org.za)
To exercise these rights, contact us at info@kaizenedge.co.za.
8. Data Breach Notification
In the event of a data breach that poses a risk of harm, we will notify the Information Regulator and affected data subjects as soon as reasonably possible, as required by POPIA.
9. Third-Party Services
Email delivery is handled via SMTP (Gmail). Live market rates are fetched from public APIs.
10. Changes to This Policy
We may update this policy. The "Last updated" date above will reflect any changes. Continued use of the platform constitutes acceptance of the updated policy.
Governing law: Republic of South Africa. This policy is subject to POPIA and ECTA.
Terms of Service
Last updated: 10 May 2026
1. Acceptance
By accessing or using MultiTool ("the Platform"), you agree to be bound by these Terms of Service. If you do not agree, you may not use the Platform. These terms apply to all users including individuals and corporate clients.
2. The Service
MultiTool provides business management tools including financial calculators, client management, appointment booking, invoice generation, and related utilities. The Platform is provided on an "as is" basis.
3. Free Trial
New visitors to the Platform receive a 60-day free trial with full access to all features. No account or payment is required to start a trial. The trial period begins on your first visit and is tracked server-side via a secure anonymous session cookie (mt_device). This cookie contains only an opaque random token and cannot be used to identify you personally.
The trial period is non-transferable and applies once per device. After the trial expires you may create an account to continue using the Platform. We reserve the right to modify trial terms at any time with reasonable notice.
4. Acceptable Use
You agree to use the Platform only for lawful business purposes. You must not:
- Attempt to gain unauthorised access to any part of the system
- Use the Platform to store or process data on behalf of third parties without their consent
- Reverse engineer, copy, or redistribute the Platform without permission
- Use the Platform in violation of any applicable South African law
5. Financial Calculations — Disclaimer
All calculators, salary tools, tax estimates, amortisation schedules and financial summaries are provided for informational purposes only. They do not constitute financial, tax, or legal advice. Always consult a qualified professional before making financial decisions. Results may not reflect current SARS tax tables or regulatory changes.
6. Invoice Generation
Invoices generated by the Platform are based on data you provide. You are solely responsible for ensuring invoices comply with SARS requirements, VAT regulations, and applicable tax law. We do not warrant that generated invoices meet all legal requirements for your specific circumstances.
7. Market Data
Live commodity prices, currency rates, and market data are sourced from third-party public APIs and may be delayed or inaccurate. Do not use this data for trading or investment decisions.
8. Intellectual Property
All content, design, and code within the Platform are the intellectual property of Kaizen Edge (Pty) Ltd. You may not reproduce, distribute, or create derivative works without express written permission.
9. Limitation of Liability
To the maximum extent permitted by South African law, we are not liable for any indirect, incidental, special, or consequential damages arising from your use of the Platform, including but not limited to data loss, financial loss, or loss of business opportunity. Our total liability for any claim shall not exceed the fees paid by you in the 3 months preceding the claim (or R500 if no fees were paid).
10. Consumer Rights (CPA)
If you are a consumer as defined under the Consumer Protection Act, 2008, you retain all rights afforded to you under that Act. Nothing in these terms limits or excludes any right you have under the CPA that cannot be lawfully excluded.
11. Data Responsibility
You are responsible for the accuracy and lawfulness of data you enter into the Platform, including client personal information. By entering third-party personal information, you warrant that you have the necessary consent or lawful basis to do so under POPIA.
12. Termination
We reserve the right to suspend or terminate access to the Platform at any time if these terms are violated. You may stop using the Platform at any time.
13. Governing Law & Disputes
These terms are governed by the laws of the Republic of South Africa. Any disputes shall be subject to the jurisdiction of the South African courts. We encourage resolution of disputes by direct negotiation before formal proceedings.
14. Changes to Terms
We may update these terms at any time. Continued use of the Platform after changes constitutes acceptance. It is your responsibility to review these terms periodically.
15. Contact
For any queries regarding these terms, contact us at info@kaizenedge.co.za.
Governing law: Republic of South Africa. Subject to POPIA, ECTA, and the Consumer Protection Act, 2008.
Contract Generator
Generate professional contract templates. Fill in your details and download as a text file.
Gross Salary Calculator
Reverse-calculate your gross salary from your net (take-home) pay.
Salary Breakdown
| Item | Amount |
|---|
| Item | Amount |
|---|
Tax Summary
Salary Increase Calculator
See the real Rand impact of a salary increase — how it shifts your tax bracket, what you actually take home more, and the difference between gross and net gains.
Market Salary Benchmark
Find out what the SA job market pays for your sector, role, qualifications, and experience level.
Market Position
Monthly Expenses & Disposable Income
Enter your monthly expenses to calculate your disposable income, check your financial health, and see what bond and vehicle payments you should be making.
Expense Breakdown
Financial Health Check
How your spending compares to SA financial planning guidelines, based on gross salary.
Affordability Guide
Recommended maximum monthly commitments based on SA banking guidelines, plus your maximum home loan and vehicle value.
Suggestions to Improve Disposable Income
Personalised recommendations based on your inputs to help free up cash each month.
Bond Amortisation Calculator
Calculate your full repayment schedule for any home loan — see the monthly payment, total interest cost, and a year-by-year breakdown.
Vehicle Finance Calculator
Calculate your vehicle repayment schedule including balloon / residual payments, deposit, and lump sums.
Bible Study Tools
Fetches the plain-English explanation from BibleRef.com — explains what the chapter means in context, section by section, in simple terms. No AI used.
Generates a Bible-based life-group discussion topic connecting a KJV passage to a current world event. No internet or AI required — 12 curated topics built in. Use the chapter input above or type a theme to influence which topic is chosen.
Currency Converter
Convert between currencies using live exchange rates. Rates are refreshed when you click the Refresh Data button at the top of the page.
Rates sourced from open.er-api.com (free tier, ~daily updates). Click Refresh Data to fetch the latest. Rates are indicative — not for financial transactions.
Markets & Prices
Live exchange rates and commodity spot prices. Updated when you click Refresh Data at the top of the page.
Exchange rates: open.er-api.com (free tier, ~daily updates). Commodities: Yahoo Finance (real-time delayed). All prices are indicative — not for financial transactions.
Budget Planner
Track income, expenses and savings to see your monthly cashflow and plan a healthy budget.
Debt Reduction Planner
Enter your debts and compare snowball vs avalanche payoff plans to reduce total interest and become debt-free faster.
Retirement Projection
Project your retirement savings, inflation-adjusted future value, and whether your savings are on track for your desired income.
Salary Offer Comparison
Compare two offers side-by-side using base salary, bonus and benefits.
Estimate how much life cover, motor vehicle insurance and business insurance you need — with SA-specific benchmarks and premium ranges.
Tax & Benefits Updates
Updated South African tax rebates, allowances and benefit guidelines for the current tax year.
Primary rebate: R16,425 per year
Secondary rebate: R9,000 per year (age 65+)
Tertiary rebate: R2,997 per year (age 75+)
Medical tax credits: R364 per month for the first two beneficiaries, R246 per month for each additional dependant.
Retirement contributions: Deductible up to 27.5% of taxable income, capped at R350,000 per year.
Travel allowance: Use SARS travel table or actual cost method for business travel claims.
Medical aid: Use your medical scheme contributions plus out-of-pocket expenses for tax credit and medical tax credit relief.
Emergency fund: Aim for 3–6 months of expenses in cash savings.
Tax & Financial Reminders
Compose a reminder and send it to any email address. Scheduled reminders are delivered automatically by the local server — no need to keep this tab open.
Open mail-tester, copy the generated address, paste it here, then send a one-off reminder probe using your current Company Profile sender details.
Email is delivered by your local server through the configured SMTP account — nothing leaves through a third-party reminder service. Tip: send to your own address for a personal reminder, or to your accountant’s email.
Employer Cost Calculator
Total monthly cost to employ one person — PAYE, UIF and SDL breakdown. Based on SARS 2025/26 tables.
Estimates only. Verify with a payroll professional or visit sars.gov.za.
Provisional Tax Calculator
Estimate your IRP6 payments for the current tax year. Plan ahead for the 31 August and 28 February deadlines.
Estimates only. Based on SARS 2025/26 tables. Verify with a registered tax practitioner or visit sars.gov.za.
Load Shedding Tracker
Log outages, track hours lost and estimate the monthly cost to your business.