Comparison

BudgetIQ vs 22seven

22seven pioneered budgeting in South Africa, but development has slowed since Old Mutual moved it. BudgetIQ is an actively developed ZAR-native alternative built around statement imports and AI categorization.

Feature	BudgetIQ	22seven
Price	R450/year (R37.50/mo)	Free, ad-supported
Bank connection	Statement upload (CSV, PDF, spreadsheet, receipt)	Live bank feeds
SA bank coverage	All major banks via statements	Most major SA banks
AI categorization	Yes — learns from your corrections	Rule-based
Reports	Narrative monthly reviews, forecasts, anomaly detection, net-worth timeline	Spending breakdown pies
Data export	One-click CSV export of everything	Limited
Ads	None	Yes
Active development	Weekly releases	Infrequent updates
ZAR native	Yes	Yes

Switch to BudgetIQ if…

You're tired of ads inside 22seven and want a clean, ad-free experience.
You want real reports (monthly reviews, forecasts, anomaly detection) — not just spending pies.
You want to own your data and export it whenever you want.

Stick with 22seven if…

You rely heavily on live bank feeds and don't want to upload statements yourself.
You need a free app and are comfortable with the ad-supported model.

Try BudgetIQ free for 2 months

No card required. R450/year after the trial (or R375 if you convert early).