5 Apps To Help You Track Your Spending

Let’s be honest. We are living in a new age of technology that seems to spend more time on our smart phones that eating and sleeping. According to ComScore’s 2017 report, the average person over 18 spends 2 hours, 51 minutes on their smartphone every day. That’s 86 hours a month.
So, why not use your smart phone to help you save money too?

We searched and found the 5 best apps (in our opinion) to help you track your spending and reduce your debts. Let’s dive right in.

1.      Spending  

As the name suggests it really is a simple app, which helps you track your spending and at the same time help you to perfect your budgeting.

What is it all about?

You can enter both your income and expenses into the app.

It has a long list of categories available to choose from

Track your balances on a weekly or a monthly basis

It even reminds you to enter transactions. It allows you choose on the frequency and time of the reminders.

You can keep track of different accounts like your day-to-day account and a savings account.

It gives reports and graphs of your overall cash flow. This app is a nice place to start and easy to use. Tracing your spending with this app should make life way easier.

2.     22seven

22seven is an app launched by Old Mutual group, and as you can imagine it is setup to do a bit more than just track your spending habits. This app helps you manage your money more effectively and invest it more smartly.

Obviously a bit more advanced than the previous one but gives you much more.

What is it all about?

See all your money in one place.  You can link your various banking accounts to the app.

Keep track of your spending; how much do you spend and on what. Your transactions are categorised.

You can set your budget, or it can automatically set a personalised budget for you.

Know the status of your cash flow at any given time.

Get an accurate picture of your net value.

Your tax returns are made easy, all your income and expenses are categorized and exportable.

Invest your money at the flick of a finger

This app is free from Old Mutual and currently works with accounts from South African banks and financial institutions.

Perfect if you are a bit more advanced in how you want to track your spending.

3.      Good Budget

This is a personal finance app for budget planning and money management. It is based on the cash envelope budgeting method but with virtual envelopes. The advantage of this app is that it can sync across multiple phones thus perfect for sharing a budget with a spouse or family member.

What is it all about?

Checks your envelope balances while you’re on the go

Transactions are recorded as it happens or scheduled in advance

See upcoming transactions and record of pending transactions

Income vs. spending reports in cool looking pie charts

This app is free of charge for the basic version with a few in-app purchase for a more integrated option.


4.     Splitwise

This add is perfect when you want to track money between you and your friends. We all know that it becomes hard to track your spending among friends, especially when you like going on holidays or road trips together and split the bills.

With Splitwise you can

Share bills and IOUs.

Keep track of household bills with roommates, group holidays, expenses paid on your behalf, or you paid on someone’s behalf

You can split with individual accounts and created groups

All transactions are listed, and push notifications are available

Everyone can log in, add new expenses, see their balances and settle-up instantly.


5.     Mint

This app is similar to spending app we mention first. It helps you create budgets with numerous categories and so one. Really just another nice app to help you track your sending on a daily basis.

What is it all about?

You can link this app to your accounts.

It allows you to input your spending and accounts manually.

Get alerts and schedule your payments on the spot

Receive alerts from unusual account charges and get custom tips for reducing debts and saving money.


Here at Cyber Finance we believe that knowledge is power and being able to manage your debt and savings is vital to you understanding your financial situation. Track your spending every month with one of these apps. It will help you save money and cut back on unwanted expenses. Best of all when you know what you spend and when you spend it you will definitely know where to stop before your debt and expenses becomes more that you can handle.

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