RandTracker is a budget built around the South African payday. See your debit orders coming, plan every rand, pay down debt and share a budget with your household.
Free for now. No bank login needed.
Screens on this page are from the real app, using a made-up demo account.
Stop finding out at month-end. Plan from one payday to the next, and see the debit orders before they leave your account.
Run the groceries, rent and school fees together, without opening up everything else.
Follow the same menu you’ll use in the app, then the setup that gets you started. Nothing here is a mock-up.
The screens you open most: what is safe to spend, what went out, and what is about to.
Safe to spend takes your cheque and cash balances, removes the bills still due before payday and what you have planned in your budgets, and shows what is really left.
Add a transaction in a few taps, or import a statement from your bank and review it before anything is saved.
Paid on the 25th? Your budget runs from the 25th. If that falls on a weekend or public holiday, the month starts on the working day before, when the money actually arrives.
Salary, rent, insurance and subscriptions are listed before they happen, so month-end holds fewer surprises.
Everything you own and owe, and where it should go next.
Cheque, savings, cash, credit cards, store cards, loans and investments come together into one net worth figure.
Add your cards, store cards and loans, then see exactly when you would be debt-free and what it would cost in interest.
Set a target and a date for the emergency fund, December holiday or next big purchase.
Track tax-free savings, unit trusts, ETFs, shares, fixed deposits and retirement annuities next to the rest of your money.
Money you share with the people you live with, or save with.
A household is a separate set of accounts and budgets for the people in it. Nothing from your personal finances is copied in.
Rotating, savings, grocery and burial stokvels each get a record of what you have paid in and what is due back.
What the last few months actually looked like.
See money in and out by month, your net worth over time, and a diagram that follows your income into each spending category.
Spending trends, category breakdowns and your savings rate for the period you choose.
Less typing from the start, and less every month after.
The wizard walks you through your main account, other accounts, income, bills, debts and a first budget, then lets you review it all.
Tell RandTracker what a bank description means, and it applies that to future imports.
Better you know now.
Yes, for now. Paid plans may be added later.
No. You add transactions yourself or import a statement downloaded from your bank, in PDF, CSV, OFX, QFX or QIF format.
Yes. Create a household and invite them with a code. It has its own accounts and budgets, and each person’s personal finances stay private.
Yes. It runs in your phone’s browser and can be installed to your home screen like an app. It needs an internet connection.
Only you, plus the people in any household you choose to join, and only for that household’s books.
Yes. Settings lets you export your data, and you can permanently delete your account at any time.
The setup wizard takes you from your first account to your first budget.