BudgetIQ
South Africa
Your ad-free budget app for life in South Africa. See your money clearly, track expenses in Rand and plan what is left after bills. Import your bank statements and let AI organise your spending — without sharing your financial data with advertisers.
budgetiq.co.za · Your money. Your privacy.
No card required · R 450/year after trial
- Statements
- 5
- Auto-categorised
- 94%
- Transactions
- 412
- Statements
- 5
- Auto-cat.
- 94%
- Transactions
- 412
Everything your old budgeting app should have been.
Modern imports, AI intelligence, and reports that actually explain your money.
Import anything
CSV, spreadsheet, PDF statements, or a photo of a receipt. BudgetIQ parses them all with AI.
AI auto-categorize
Every transaction is classified against your categories automatically. Review in one click.
Advanced reports
Category trends, month-over-month, cash-flow, net-worth timeline, forecast — all interactive.
Auto-analysis
Monthly reviews, anomaly detection, savings suggestions and 30-day forecasts, generated on demand.
Private & yours
Your data is isolated with row-level security. Export whenever you want.
Budgets that stick
Set monthly caps per category. BudgetIQ warns before you blow them.
Reports that read themselves.
Instead of pivot tables and gridlines, BudgetIQ gives you narrative reports with numbers you can trust — powered by real-time AI analysis over your own data.
- Monthly review with top movers and callouts
- Anomaly & duplicate charge detection
- 30-day forecasted spend by category
- Personalized savings plan
You saved 34% of what you earned.
Rent, salary, and groceries stayed consistent. Consider trimming Restaurants by ~$150 to hit your $2,500 savings goal.
Your data is encrypted, never sold.
Row-level security means only your account can read your transactions. No ads, no data brokers.
No online-banking passwords.
BudgetIQ only accepts statements you upload yourself. Your bank credentials never leave your bank.
Whatever bank, whatever format.
CSV, spreadsheet, PDF, or a photo of a printed statement. If your bank exports it, BudgetIQ reads it.
What early users are saying
Feedback from BudgetIQ's private beta and early trial cohort.
"Finally a budgeting app that speaks my currency and understands my bank's CSV. The AI categoriser nailed 90% of my transactions on the first import."
"I ditched my spreadsheet after two weeks. The monthly review reads like an actual finance report — I know exactly where the money went."
"The daily guide makes my spending decisions feel simple. I can see what is safe after bills without doing the maths myself."
Built by founders who got tired of budgeting apps that assumed one bank and one currency.
BudgetIQ is an independent product. We answer support email ourselves, we don't run ads, and we don't sell your data. If you have a question, feedback, or want to talk to the founding team, email hello@budgetiq.app.
Simple pricing. Yearly or monthly.
R167.99/year (30% off R239.99) or R20/month.
14-day free trial. Use it on your phone, tablet and laptop at the same time.
- Unlimited transactions & accounts
- CSV, spreadsheet, PDF & receipt imports
- AI auto-categorization
- Savings targets & goal tracking
- Debt reduction planner
- Net worth tracker
- Budgets, upcoming bills & subscriptions
- Monthly reviews, forecasts, anomaly detection
- Advanced reporting suite
- Export your data anytime
30% off yearly. Or choose R20/month after signing up.
Questions
Is my data private?+
Yes — every row is protected by row-level security. Only you can read your data.
Can I import from my bank?+
Yes. BudgetIQ works with statements from any bank worldwide — including all major South African retail, digital and business banks. Export a CSV or spreadsheet from your banking app, or upload a PDF statement and BudgetIQ extracts the transactions with AI.
How much does BudgetIQ cost?+
R167.99 per year (30% off R239.99) or R20.00 per month. Checkout converts to your local currency.
Is there an early-upgrade discount?+
Yes. Yearly is always 30% off: R167.99 instead of R239.99.
Is it really once a year?+
Choose yearly or monthly. Can I use it on several devices? Yes — sign in on as many devices as you like at the same time; everything stays in sync.
What happens after the trial?+
You keep your data. To keep using BudgetIQ, activate the yearly plan from your account settings.