Because we know times are tough (and probably about to get tougher), we put together a list of the best money apps out there.
Some of these are budgeting apps to help you curb your spending habits, get on top of your budget or save towards a goal. Some will help you save money by giving you access to awesome deals and the rest are money making apps that you can use to actually get cash back every month.
1. Spending tracker
BEST FOR: BUDGETING
With this app, you’ll have your very own budget tracker and calculator in your pocket. It’s simple to use: set your budget, log all of your transactions, and track your spending. To keep you on track, you’ll get various reports – even in the form of charts – which will give you feedback on how you’re looking budget-wise and what your spending habits are. Nifty!
- Click here to download Spending Tracker from the Google Play store.
- Click here to download Spending Tracker from the iTunes App Store.
BEST FOR: CONSOLIDATION
If you want to see your money all in one place, this app is for you. Link your cards, accounts, loans and rewards, track your spending habits, and set your personalised budget, based on your spending. You’ll know exactly how much you’re spending and what you’re spending it on every month. You can even make low-cost and tax-free investments — all within the app.
- Click here to download 22seven from the Google Play store.
- Click here to download 22seven from the iTunes App Store.
3. Fuel Log
BEST FOR: FUEL LOGGING
The high price of petrol and diesel these days is enough to send anyone into a mild panic, so being able to track how much you’re spending, and how far you’re getting on your hard-earned rand, is incredibly useful. With a fuel logging app, every time you fill up, enter your current odometer reading, litres and cost, and you’ll be able to keep an eye on your fuel consumption, and see if you’re using your petrol or diesel as cost-effectively as possible.
- Click here to download FuelLog from the Google Play store.
- Click here to download Fuel Log 3from the iTunes App Store.
4. Money Mammals Save for a Goal
BEST FOR: TEACHING LITTLE ONES
It’s important to learn how to budget and save money early, and to help introduce your children to the vital concept of saving, this app is full of educational videos, tips and valuable information to get them budget conscious as early as possible. It’s ideal for pre-school and early primary-school littlies, and the app covers three major financial literacy aims: saving, needs versus wants, and becoming money smart.
- Click here to download Money Mammals Save for a Goal from the Google Play store.
- Click here to download Money Mammals Save for a Goal from the iTunes App Store.
Money saving apps
Read more: 8 things everyone can do to save electricity
BEST FOR: COMPARING PRICES
Gone are the days of trawling through websites comparing microwaves so that you can shop at the store that offers you the best deal. Instead, you can get the Pricecheck app to do all the hard work for you. The price comparison app lets you compare thousands of products, from flights to tech.
Even better, if you see something you like in store, simply scan the barcode and the app will tell you if you can buy it somewhere else cheaper. Genius!
- Click here to download Pricecheck from the Google Play store.
- Click here to download Pricecheck from the iTunes App Store.
BEST FOR: DISCOUNTS ON CARS
Buying a new car can be seriously overwhelming. With all the makes and models out there, it’s tough to know which one to choose, never mind knowing how much you should be paying.
Carter is a nifty car buying app that first helps you quickly decide what kind of car is best suited to your needs (ranking them according to metrics like safety, fuel efficiency, clearance, maintenance and more). Then the app connects you to dealers who offer discounted deals through the app.
- Click here to download Carter from the Google Play store.
- Click here to download Carter from the iTunes App Store.
7. The Entertainer
BEST FOR: SOCIAL BUTTERFLIES
The Entertainer is the only money app on our list that isn’t free, but if you’re out on the town every second night, it’ll end up saving you cash. An annual fee gives you access to almost 2000 buy-one-get-one-free offers from restaurants, spas, hotels, activities and even some clothing stores.
- Click here to download The Entertainer from the Google Play store.
- Click here to download The Entertainer from the iTunes App Store.
Money making apps
BEST FOR: EVERYDAY SAVINGS
An app that pays you money for stuff you were going to buy anyway sounds too good to be true, but we promise, it isn’t. So far, SnapnSave has paid South Africans more than R2 million in cash.
Just download the app and book the offers that tickle your fancy. Buy them, then use SNAPnSAVE to snap a photo of your till slip and upload it. The cash you saved gets paid straight into your SNAPnSAVE wallet; you can then spend your free cash at loads of stores or transfer them straight into your bank account.
BEST FOR: OCCASIONAL CASH BACK
Yes, WeChat is chat and messaging app, but it also offers special promotions (where you get cash for buying certain products through the app) and it’s a great way to maximise the cash back you can get from other apps. For instance, if you book SnapnSave deals through WeChat, you’ll get paid double your money back.
You can also use your WeChat wallet to pay at any store that uses SnapScan. WeChat often runs promotions where you have a chance to get a percentage of your SnapScan purchase paid back into your account.
- Click here to download WeChat from the Google Play store.
- Click here to download WeChat from the iTunes App Store.
BEST FOR: PHOTO BUFFS
This clever photo-sourcing app connects photographers with people who want to buy images. And by photographers, we mean anyone with a smartphone or camera. Upload your photos to the app, tag them and then see if they sell. People who are most successful at making money from this app tag their photos well and adjust their images based on what kinds of photos are selling.
- Click here to download Foap from the Google Play store.
- Click here to download Foap from the iTunes App Store.
Read more: How to save money on your weekly shop