South Africans need expense trackers that handle Rand properly and work with the unique financial challenges of SA life.
What SA Users Need
- ZAR (R) support — Proper Rand handling
- Works offline — For load-shedding!
- Privacy-focused — Data stays yours
- Affordable — Value for money
Top Expense Trackers for South Africa
1. Pocket Clear — Best Simple Option
- ✅ Full ZAR (R) support
- ✅ Works offline (load-shedding ready!)
- ✅ Free with no ads
- ✅ Privacy-first
🇿🇦 Best for South Africans
Simple, works during load-shedding, proper Rand support.
2. 22seven (South African)
SA-built app backed by Old Mutual.
Pros: Local, integrates with SA banks
Cons: Requires bank linking
3. Monefy
Simple expense tracker with ZAR support.
Cons: Has ads in free version
SA Expense Categories
- 🏠 Rent/Bond
- 🛒 Groceries (Pick n Pay, Checkers, Woolworths)
- ⛽ Petrol
- ⚡ Electricity (prepaid/postpaid)
- 📱 Data & Airtime
- 🚗 Car Insurance & Maintenance
- 🏥 Medical Aid
- 🍺 Entertainment
Load-Shedding Ready
Pocket Clear works completely offline — no internet needed. Perfect for tracking expenses even during Stage 6!
Start Tracking in Rand
Free, offline-ready, works across South Africa.