Best Personal Financial Planning Apps in South Africa


Everyone wants to have a comfortable lifestyle and be able to cater for their dependents’ needs and wants. The foundation of such financial stability is good money management. With modern technology having firmed its roots in Africa, there are various digital ways that one can accomplish his or her fiscal goals. One of the ways is the use of financial planning tools. While the list is long, some of the best personal money apps in South Africa to help you save and invest money include:

YNAB South Africa

This is one of the best budgeting apps in South Africa. YNAB (You Need A Budget) is a digital equivalent of the traditional envelope budgeting method. The budgeting app claims that as an average user, you are able to save over 11,000 rands in the first two months.

YNAB budgeting app has a free trial of 34 days, after which one has to pay $11.99 per month or $83.99 per year. The program has coaches, chats, podcasts, and other resources to further assist individuals with their budgeting.

To use YNAB in South Africa, you need to:

  • Sign up on the website.
  • Follow the prompts to enable you to link it to your bank accounts.
  • Decide on the amount of funds you want to budget for that month and allocate it to the customized categories.

22seven South Africa

22seven is a money saving app in South Africa that simplifies tracking spending, setting budgets, and achieving financial goals. It offers various features like bill pay reminders, investment tracking, and credit score monitoring. The app is easy to use and connects seamlessly with bank accounts and credit cards to import transactions automatically. It provides detailed insights into spending habits and helps identify areas for potential savings.

With budgeting tools, transaction tracking, bill pay reminders, investment tracking, and credit score monitoring, 22seven offers a comprehensive set of features to manage finances effectively.

EasyEquities South Africa

EasyEquities is one of the best investment apps in South Africa that enables you to buy and sell shares on the Johannesburg Stock Exchange (JSE). It stands out for its low trading fees for both active and beginner investors. The platform provides a wide range of shares from various companies, including foreign shares. EasyEquities boasts an intuitive user interface and offers educational resources to support investors. With 24/7 trading availability, you have the flexibility to trade at your convenience. Using EasyEquities offers the potential for high returns in the stock market in South Africa.

Buxfer South Africa

Buxfer is a personal finance app available for iOS and Android devices that help you track their spending, set budgets, and achieve financial goals. It offers a range of features to assist with money management. With Buxfer, you can create and monitor customized budgets, while the app automatically imports transactions from bank accounts and credit cards for easy tracking and categorization. The app also provides bill pay reminders and the option to set up automatic payments. Additionally, Buxfer enables you to track their investments, including viewing performance and accessing market news and insights. It even offers credit score monitoring, providing valuable information on improving credit scores. While the app is free, a premium version with extra features is also available.


When selecting a finance app in South Africa, consider your specific requirements and preferences. Factors like available features, fees, and user interface should guide your decision-making process. Here are additional tips for choosing a finance app:

  • Read reviews: Gain insights from other users by reading reviews before downloading any app. It helps you gauge user satisfaction and determine if the app aligns with your needs.
  • Consider your needs: Identify the key features that matter to you. Do you prioritize expense tracking, investment management, or tax filing capabilities?
  • Compare fees: Some apps charge fees for specific services like international payments or ATM withdrawals. Compare fee structures to ensure they align with your usage patterns.
  • Try out the app: Take advantage of free trial periods offered by many apps. Testing the app firsthand allows you to assess its functionality and suitability before committing to it.

Faith Maina is a writer and researcher based in Nairobi, Kenya. She mostly writes about finance, business ideas, startups, fintech issues in Africa, as well as investment opportunities on the continent. She holds a Masters degree in finance. Read more about the whole editorial team at FiFi and our editorial guidelines.