Managing money with spreadsheets is something millions of South Africans know all too well. A column for income here, a tab for expenses there, maybe a separate file for savings goals and investments. It gets the job done, until it doesn't.
Formulas break. Files get lost. Switching between devices means hunting down the latest version. And at the end of the month, there's still that nagging question: where did all the money actually go?
The truth is, spreadsheets were never designed for managing money. They can't show spending trends at a glance. They don't track progress toward savings goals. And they certainly can't offer advice on how to stretch your rand a little further.
That's the problem Budget Hub was built to solve.
A Better Way to Manage Your Money
Budget Hub brings income, expenses, savings goals, and investments together in one simple, portable platform. No more scattered files across devices. No more guesswork at month-end. Just a clear, honest view of where money comes from, where it goes, and how to make it work harder.
And because financial life in South Africa has its own rhythm, from taxi fares to loadshedding costs, from Capitec to FNB, Budget Hub was designed specifically for the way South Africans manage money.
What You Can Do With Budget Hub
Track Your Income and Expenses
Here's what's packed into the platform: Log every rand that comes in and goes out. With over 30 spending categories tailored to South African life, every transaction has a home. See exactly where your money is going, no surprises at the end of the month.
Set Savings Goals That Actually Motivate You
Whether it's an emergency fund, a holiday, or a deposit on a car, Budget Hub turns financial targets into visual progress. Set milestones, track achievements, and get time-to-goal predictions based on your actual saving pace.
Monitor Your Investments in One Place
Stocks listed on the JSE, crypto, property, or any other asset, track them all from a single dashboard. Budget Hub automatically calculates performance so you can see how your portfolio is growing without switching between apps.
Get Detailed Analytics and Trends
Dive into monthly spending breakdowns, 6-month trend analysis, and category insights. Spot patterns, identify areas to cut back, and track your financial health over time with clear, visual charts.
Generate Professional PDF Reports
Need a financial summary for a loan application or just for your own records? Budget Hub generates clean, bank-ready PDF reports that make your finances look as organised as they are.
Personal Assistant
Budget Hub's personal assistant analyses your spending patterns and offers practical, personalised advice. Think of it as a financial companion that helps you make smarter decisions with the money you already have.
Curious how much you could save? Try the Savings Calculator to see your potential.
Coming Soon
Budget Hub is just getting started. Here's what's on the way:
- Bank Statement Import – Upload statements from Capitec, FNB, Standard Bank, Nedbank, and Absa. Budget Hub will read your transactions and categorise them automatically, giving you instant insight into your spending patterns.
- Receipt Scanning – Snap a photo of any receipt and let Budget Hub capture the details for you. No more manual entry for everyday purchases.
Two Plans, One Goal: Your Financial Success
Budget Hub is designed to meet you where you are. The Free plan gives you everything you need to get started, income and expense tracking, up to 3 savings goals, and current month analytics. No trials, no credit card required.
For those ready for more, the Individual plan (R79/month) unlocks unlimited goals, investment tracking, AI insights, detailed reports, and 6-month trend analysis. Compare plans to find the right fit.
Your Financial Journey Starts Here
The FSCA encourages all South Africans to take an active role in managing their finances, and the gap between where you are and where you want to be isn't as wide as it feels. Sometimes all it takes is the right tool, something that makes tracking money simple, keeps you motivated, and shows you the progress you're actually making.
Budget Hub was built because one person needed a better way to manage their finances. Today, it's here to help thousands of South Africans do the same.
Your money tells a story. Budget Hub helps you write a better one.
Ready to take control of your finances? Get started for free and see the difference a clear financial picture can make.