01
See
Bring your income, transactions and spending categories into one understandable view.
Budget
See where your money goes.
Decide what it does next.
Build a budget around your real income and spending, choose an approach that suits you, and adjust when life changes, because it will.
A budget built around real life
A budget should reflect the life you are building, by empowering how you live it.
Your money already moves through the needs, choices and commitments that make up your life. Vault22 brings that movement into clarified view.
Understand what is happening, give your money a clearer role, and decide where there may be room to adjust. Every decision stays in your hands.
From information to intention
Create my budgetBuild your budget in four clear steps.
02
Choose
Compare three budgeting methods and select the structure that feels most useful to you.
03
Understand
See what you planned, what you have spent and how it compares with your usual patterns.
04
Adjust
Review alerts and relevant guidance, then choose whether anything needs to change.
Start with what is actually happeningConnect an account
Build from real income and spending.
Connect an account, upload a statement or add information manually. Vault22 organises your transactions into categories you can review, correct or create, turning a list into patterns you can read.
Choose your budget start date
Set the month around your own rhythm, ideally close to when your income arrives.
Shape your categories
Keep, correct or create categories so the budget reflects how you understand your spending.
Review what needs attention
See uncategorised transactions and suggested categories, without giving up your final say.
Your money is
already going
somewhere.
Bills. Groceries.
Gifts. Travel.
The things you need
today and the life
you want tomorrow.
A budget helps you see how it all comes
together. So you can spend and save
with greater intention.See where your money goes, and decide
what deserves more of it.
Choose your approach
Different ways to budget.
One that works for you.
Answer four questions to see how closely each method matches the way you want to plan. Explore the recommendation, compare the alternatives, and make the final choice yourself.
50 / 30 / 20
Create broad balance across needs, wants, and savings or debt repayment.
Useful when you want structure without tracking every category closely.
NeedsR12 500
WantsR7 500
Savings or debtR5 000
Illustration based on a monthly income of R25 000. Your own split is yours to set.
Understand the month
See the difference between intention and activity.
Compare what you budgeted with what you have spent, what remains and what you usually spend. Move between the full month and the categories that matter right now.
Create my budgetSeptember6 days remaining
PlannedR18 400
SpentR12 960
RemainingR5 440
Your averageR13 720
GroceriesR3 480 of R4 000
Eating outR1 910 of R1 500
TransportR980 of R2 200
The wider picture
A budget can create room for what comes next.
See how everyday choices may affect the money available for debt repayment, saving and investing, then decide where you want to focus.
02Debt
Understand your debt. Choose a way forward.
See what you owe and explore a way forward that reflects your priorities and circumstances.
03Invest
Invest towards what matters to you.
Start with your goals, timeline and appetite for risk, then explore professionally managed investment options designed to support your intention.
Budget questions, answered.
How the budget is built, how categories work and what Tara does.
Vault22 Budget brings your income, transactions and categories into one view. It helps you choose a budgeting method, compare planned and actual spending, and recognise where you may want to adjust.
No. You can compare 50 / 30 / 20, zero-based and pay yourself first budgeting. A short set of questions may provide a useful starting point, but the method remains yours to choose.
Yes. Your method, categories, amounts and alerts remain open to review as your income, priorities and circumstances change.
Transactions are organised into spending groups and categories. You can review, correct or create categories so the budget reflects your financial life more accurately.
Tara helps interpret your budget information, draws attention to what may matter and clarifies possible actions. Tara does not make financial decisions or change your budget for you.
Yes. Your budget adds useful context to your debt, saving and investment decisions, helping you understand how different parts of your financial life shape one another.
Begin with a clearer view
Build a budget that can move with your life.
See where your money goes, choose the structure that works for you and decide what you want it to do next.
Free to start. No card required.