Beta Launching Soon

Not just another budgeting app.
A financial clarity engine.

Connect all your SA bank accounts, see your real debt in one number, and take back control. The Trojan horse to your financial freedom.

Start for Free

No credit card required. Connects to 7 major SA banks.

Total Debt

Action Required
R 87,450

Across 4 accounts

Survival

R 12,500

Transport

R 3,200

💡
AI Coach You can pay off your personal loan 3 months early by allocating R800 surplus.

Read-only sync with all major SA banks

Secured by Stitch Money API. We never move your money.

The 5 SA Budget Categories

We’ve mapped exactly how South Africans spend. Auto-categorised so you always know where your money goes.

🏠

Survival

Rent, bond, groceries, and utilities. The essentials that keep the lights on.

💳

Debt

Personal loans, vehicle finance, credit cards, and store accounts.

🚗

Transport

Petrol, Uber, taxi fare, car insurance, and e-tolls.

📱

Life

Medical aid, funeral cover, school fees, data, and DStv.

🌱

Future

TFSA, RA, emergency fund, and savings goals for tomorrow.

Face your debt. Then destroy it.

The moment you see your total debt displayed in one clear number, you feel the reality of it. That’s where BudgetFirst steps in.

  • Debt Tracker: Track interest rates and balances across all accounts.
  • Smart Payoff Strategies: Choose between Avalanche (highest interest first) or Snowball (smallest balance first).
  • Payday Setup: The envelope method for your salary. Allocate every rand before you spend it.

Avalanche Strategy

Recommended

Credit Card

21% Interest
R 24,000

Personal Loan

15% Interest
R 50,000

Store Account

18% Interest
R 13,450

Debt-free by: Oct 2027

Interest saved: R 12,400

Hey! R24,500 just landed in your FNB account. Let's allocate it for the month 💰
Let's do the usual split, but put R500 extra to the Credit Card.
Done! You're now on track to clear your credit card 2 months early. Also, watch out—you've used 80% of your Transport budget and it's only the 15th.
Pro Feature

Your personal AI Financial Coach

Powered by advanced AI, your coach works 24/7 to analyze your spending, warn you about low balances before debit orders hit, and find money you didn't know you had.

  • Weekly Sunday financial digests
  • Proactive overspend alerts
  • Plain-English financial Q&A

Start your journey to zero debt

Simple, honest pricing. No hidden fees, no product upsells.

BudgetFirst

R0/month

For those who just need clarity.

  • Read-only bank feeds (7 banks)
  • Auto-categorised transactions
  • Basic 5-category dashboard
  • Manual payday setup
Sign Up Free
Most Popular

BudgetFirst Pro

R49/month

The ultimate debt-destroying engine.

  • Everything in Free, plus:
  • Full AI Coach Access (Claude)
  • Advanced Debt Tracker (Avalanche/Snowball)
  • Smart Debit Order Notifications
  • Goals Module (Emergency Fund, etc.)
Start Pro Trial