Compare, then decide what fits you.
Honest side-by-side comparisons with the money apps South Africans use, including where another app may suit you better. Start with what matters to you, and choose from there.
Vault22 brings your spending, debt, savings, investments and household finances into one connected view, across regions and currencies, so you can see how they affect each other and decide what comes next. Start free, and ask Tara what deserves your attention first. YNAB may suit you if you follow zero-based budgeting and don’t mind importing bank files.
Choose a comparison.
- Vault22 vs FinWise
See how two South African apps compare
Bank connections, pricing, shared budgeting and investing side by side, plus what FinWise says about Vault22 and what’s accurate today.
See the comparison - Vault22 vs YNAB
A budgeting method vs the whole picture
Compare a strict budgeting method with a view of how your spending, debt and investments connect.
See the comparison - Vault22 vs 22seven
See what changed, and what stayed
22seven became Vault22 in October 2024. See what you’ll recognise, what’s new, and how to pick up where you left off.
See the comparison
How the three apps compare.
Each fact is checked against the company’s own published pages, with the date we last checked. Where we can’t verify something, we say so.
Checked against each company’s published pages in September 2026.
Yes. 22seven became Vault22 in October 2024, after merging with SC Ventures’ Autumn. You can still link your accounts and budget from your real spending, and you can now also plan debt, invest, share with your household and ask Tara.
Vault22 and FinWise both connect to South African banks. YNAB’s direct import covers selected US, Canadian, UK and European banks, so South African users import files instead.
Yes. Free is a complete app, not a trial, with unlimited account connections. Basic and Premium add daily updates, your full history and lower investment fees.
Vault22 offers managed investment portfolios, and the marketplace lets you compare products from 26 providers side by side before you decide. Vault22 may receive fees or commissions from some providers when you take up their products or offers through our platform; the choice remains yours.
Yes. On the web app, you can export your transactions from the Transactions page, or download a Monthly Money Report from Budget. Free covers the last three months, and Basic and Premium cover your full history.
We check every fact against the other company’s own published pages, show the date we last checked, and update the page when something changes.
See your financial life more clearly.
Connect your accounts, understand where you stand and decide what you want your money to make possible.
