01
Start small, start now
You don't need a big income to build a future. You need a habit. Ten percent, set aside every month, beats a fortune you never begin.
Our story
We believe every South African child deserves a running start
The Ten Par-Cent Club began with a simple, stubborn idea: that a little saved consistently, and a little taught early, can change the shape of a life.
Why we started
Too many families run out of options right when it matters most
We kept seeing the same story. A bright learner finishes matric, and the plan for university is a loan. A young adult lands a first job, and the plan for a car is debt at a punishing rate. Good people, working hard, boxed in by choices no one taught them to make.
So we built something to change that from both ends. For parents, a clear way to save toward the big milestones. For learners, the money lessons school never gave them, while there's still time for those lessons to matter most.
The name says it plainly. Put aside ten par-cent, stay the course, and let time do the heavy lifting. Same fee, one less worry.
Our mission
Help South African families build financial futures, and give learners the education they deserve.
What we stand for
The 10% philosophy
Three beliefs shape everything we do, with parents and in the classroom.
02
Plain language, always
Money is not meant to be confusing. We explain it the way you'd explain it to a friend: no jargon, no lectures, no fine print you can't follow.
03
Teach it early
The best time to learn about money is before you have to make big decisions with it. That's why our school talks are free, and start in Grade 8.
Two audiences, one purpose
What we offer
Saving strategies that fit real life
We help you build a simple, achievable plan toward the milestones that matter: tertiary fees, a first car, a home deposit. So your child can reach them without starting adult life in debt.
Talk to us about savingFree talks for your learners
Engaging, age-appropriate sessions on budgeting, tax, investing, insurance and more. Designed for Grade 8 and above, and delivered at zero cost to your school.
Book a free talkThe people behind it
Meet the team
Financial experts who'd rather be understood than sound impressive.
Joshua Swart
Financial advisor & Co-founder
Helping families feel more confident and in control when it comes to managing money and planning for the future.
Nathan Kacev
Financial advisor & Co-founder
Helping families build stronger financial awareness so they can plan ahead with confidence and less stress.
Let's talk
Ready when you are
A plan for your family, or a talk for your learners. Either way, it starts with hello.