Top financial and budgeting apps

Today there may be no greater truism than there’s an app for everything, and so it comes as no surprise that there are at least a dozen apps designed to help you manage your personal finances. In this article we highlight five of our current favorites and look at what they can do to help you make the most of your money.


Tracking every single rand spent is not easy, but that’s where this helpful app steps in: Mint draws data from your different accounts, tracks your spending, and assists you in setting up a budget based on actual figures. But it can also act as a credit tool in that it can pull your credit score and tell you how to improve it.


Wallet is a handy iPhone-based app that allows you to store your credit cards, virtual loyalty cards, vouchers, tickets, boarding passes (etc.) in one place. The virtual cards saved to Wallet hold vital information such as your seat number for a movie, or what a voucher will entitle you to and when it expires. With Wallet you never have to worry about leaving a physical card or coupon at home, because if you have your phone on you, you’re covered.


This wonderful app can be used on both iPhone and Android phones and allows you to track your spending in relation to your budget. If you have a tendency to overspend, this smart little app can be set up to prevent you from doing so. It also has a built-in function that allows you to sync your budget across all of your devices so that you have a real handle on your family’s finances. It also helps you stay on track (and stay accountable) when it comes to your saving goals.


Stocard was originally Android’s answer to the iPhone’s Wallet. Both of these apps allow you to store virtual cards, in this case specifically loyalty or rewards cards, without having to carry a physical card in your wallet. With the easy access to loyalty cards at any time, users are able to save on certain items - savings which can add up to considerable amounts. To store a loyalty card, you can either scan a barcode or enter it manually.


Like Mint, this ingenious app pulls data for all your accounts into one place. From bank accounts to credit cards, store accounts to loans and even rewards – 22seven has the ability to track what you have, what you owe and what you can borrow. But this app does more than give you an overview of your finances. It also allows you to create and track a budget, and even enables users to invest in Old Mutual funds. If you want the ultimate finance and budget app, this is it.


The above apps are read-only and can’t be used for transacting. Banking apps are quite different to budgeting apps. The great thing about bank-affiliated banking apps is that they don’t just make transacting easier: they can also be used to save on bank fees. If you’re interested in finding out more on how your app can help you save on bank fees, have a look at our blog article How to save on bank fees.


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