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The Best Budgeting Apps To Use In South Africa

front view of a black south african woman in professional attire with glasses leaning on a rail in an office while searching her phone for budgeting apps

Is it difficult for you to plan a budget and stick to it? You are not alone, and for that reason, budgeting apps were created and we couldn’t be more grateful. With the latest digital technology, you can plan ahead, save money on monthly essentials, and find great deals that can help you stretch your budget even further. And most importantly, avoid falling into debt.  

So, we have gathered some of the most popular budgeting apps for South Africans that can be used for various purposes – from budgeting to investing, managing debt, finding great deals, and more. But first, let’s talk about how budgeting apps can transform your life.


How budgeting apps make life easier

If you are just starting to learn how to budget, or perhaps you have been doing it for a while and it doesn’t seem to work, then you surely need to find a budgeting app to help you control your finances. Trust us, they are life-changing! 

The goal of a budgeting app is to help you manage your money by syncing with your bank and credit card accounts to help you keep track of your spending and manage your financial life virtually and anywhere.

The main function of these savings apps is to help you create a workable budget that you can stick to, based on your typical income and spending. It is their way to make your life easier, especially when they allow you to track your bills’ due dates and pay them on time. Most importantly, these money saving apps offer convenience, simplicity, and peace of mind.


The best budgeting apps to use in South Africa


22seven app logo



22 Seven

22seven is a free budgeting app that more than 180 000 South Africans have already downloaded. The app is developed by Old Mutual, so it is truly local. It’s simple, easy to use, and extremely useful. You can start by linking all of your bank accounts, credit and store cards, investments, and loans (from more than 100 financial institutions) so you can see all your transactions in one place. And don’t worry, it is completely safe and secure. 

Afterwards, the app will generate a budget based on your actual spending, which will help you save hundreds from your first month. The best part? You can even invest monthly at a low cost and tax-free. So as they say: with 22seven, you can show your money who’s boss! 

Price: Free. 

Platforms: Android/ iOS/ Web.


mint app logo


We know you will love and enjoy Mint because, not only it is one of the best budgeting apps in South Africa, but it is also on the top list of Forbes Advisors’ 2021 Best Budgeting Apps. 

Mint is definitely worth considering because it can automate your budgeting process by drawing data from your different accounts, tracking your spending, and assisting you in setting up a budget. As a result, you will have enough money to save for your future! 

Price: Free.

Platforms: Android/ iOS/ Web


spendee app logo


Spendee is carefully designed to track your budget, help you learn about your spending habits, and make meaningful changes to your spending. That is why it is considered one of the best money apps in South Africa, especially since it allows you to use the free version, the plus, or the premium version for greater benefits.

By using Spendee, you can keep track of your cash flow while viewing detailed breakdowns of how you actually spend money. Additionally, this budgeting app allows users to securely link their investment accounts and track their profits because the app utilizes bank-level encryption to keep all details and financial information secret. It basically offers the same level of security as your bank with great pricing plans.

You’ll note that Spendee’s premium tiers are priced in dollars, but don’t let that put you off, you can still upgrade to one of these plans if you’re interested in more advanced features.

Price: Free or Paid – Spendee Plus for $14.99 per year/ Spendee Premium for $22.99 per year.

Platforms: Android/ iOS/ Web.

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Popular money-saving apps & other useful apps


the entertainer app logo

The Entertainer

Upon signing up for The Entertainer, users are offered deals and discounts on a variety of experiences. In other words, you can still do anything you want, but spend less than usual!

The Entertainer can also suggest nearby places to claim discounts or take advantage of sales based on your location, interest, or travel habits.

This cool saving app offers thousands of food, drink, beauty, and fitness offers as well as tourism and leisure deals across South Africa.

Price: R325 yearly (including VAT)

Platforms: Android/ iOS/ Web.

Location: Cape Town, Johannesburg & Pretoria, and Durban


splitwise app logo


When you are out with friends, you are more likely to spend more than you intended to. Why? Because you all decided to split the check. That is why Splitwise is a necessary app for everyone.

Splitwise is a great way for you and your friends to split expenses. The app lets you and your friends input various bills and keep track of who owes whom and then helps you settle up the debts between each other. Moreover, it has an attractive and user-friendly interface to make the entire process quick and easy!

Price: Free.

Platforms: Android/ iOS/ Web


pricecheck app logo


Shopping is another popular form of spending that can quickly empty your pockets, ruining your budget and your future financial plans. Thankfully, PriceCheck is here for the rescue.

PriceCheck is South Africa’s largest product discovery and comparison platform. The app allows users to browse an extensive range of popular and trustworthy stores. There is no place where consumers can see all the best offers in one place, other than PriceCheck. With the ability to compare products and prices, you will be able to make wiser decisions when shopping.

And make your budget go further!

Price: Free.

Platforms: Android/ iOS/ Web.


Now, ready to step up your budgeting

The foundation of financial stability begins with investing wisely and curbing excessive spending. Thanks to technology, it is now easier than ever!

The apps discussed in this article are some of the best budgeting apps in South Africa that will allow you to save money, invest wisely, spend differently, and even become debt-free.

Trust today’s technology to help you make better decisions for an easier life and a better future.

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Disclaimer: This website and any information herein is not intended to be, nor does it constitute, financial, tax, legal, investment, credit, or other advice. Before making any decision or taking any action regarding your finances, you should consult a qualified professional directly.

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