Is Vault22 the same as 22seven?

Yes. 22seven rebranded to Vault22 under Old Mutual. The app still focuses on linking bank and card accounts to track spending and cash flow. The name changed; the core product category (budgeting and aggregation) did not.

Can Vault22 track net worth across EasyEquities, RA and TFSA?

Vault22 can show linked account balances and some investment exposure, but it is built for budgeting — not for a tax-bucket wealth view across every provider you use. Many DIY investors maintain a separate spreadsheet or wealth tool for EE, RA, TFSA and property because provider portals only show their slice.

Does Vault22 show TFSA room across multiple providers?

No. Like every provider app, it does not replace a cross-provider view of your combined SARS annual and lifetime TFSA limits. You still need to total contributions yourself before topping up a second TFSA.

Why would someone choose manual entry over bank linking?

Some investors prefer not to share bank credentials with a third party, want to include accounts that do not link cleanly (offshore, property, RA statements), or need planning numbers they control and can export. Manual snapshots trade convenience for privacy and flexibility.

Is Libevyn free like Vault22?

No. Vault22 is free and ad-supported through its parent ecosystem. Libevyn is a paid wealth tracker with a 14-day trial — priced for people who want SA tax-aware net worth and TFSA room without bank passwords.

Can I use both Vault22 and Libevyn?

Yes. Many people use a budgeting app for day-to-day spend and a separate wealth tracker for monthly net-worth snapshots, TFSA room, and FIRE progress. They solve different problems.

Guide

22seven and Vault22 alternative for net worth and TFSA tracking (South Africa)

Vault22 (formerly 22seven) is South Africa's best-known free money app — built for budgeting and linked bank accounts. If you are searching for an alternative because you want net worth across EE, RA, TFSA and property, cross-provider TFSA room, or a FIRE portfolio that respects RA lock-in, you are usually comparing a wealth tool, not another budgeting app.

This page compares the two honestly — no trash-talk. Pick based on whether you need spend control or a monthly wealth snapshot.

What Vault22 (22seven) is built for

Vault22 links to banks and cards, categorises transactions, and helps you see where cash goes. It is strong for day-to-day money management and is free for consumers. Old Mutual owns the product; many accounts are aggregated automatically once you share login credentials.

PFZA and app-store threads often mention Vault22 when people ask about spending or linked accounts. When the question shifts to net worth across five portals or TFSA room before tax-year end , the same app is usually not the answer — even if it appears in search results for "22seven alternative."

Side-by-side comparison

Feature rows reflect what each product is designed to do today. Vault22 may change; check their site for current capabilities.

	Vault22 (22seven)	Libevyn
Primary use	Budgeting & spend tracking	Net worth & tax-bucket wealth
Price	Free	Paid (14-day trial)
Bank passwords / linking	Required for auto sync	Not required — manual balances
Multi-provider net worth (ZAR)	Partial — linked accounts only	Yes — every account you add
Split by SA tax bucket	No	Yes (TFSA, RA, taxable, offshore, etc.)
TFSA room across providers	No	Yes — annual & lifetime totals
Accessible vs locked (FIRE view)	No	Yes — RA/property rules built in
Property & bond tracking	Limited / not the focus	Yes — equity in net worth
Monthly wealth ritual	Daily spend focus	Snapshot balances you control

Comparison is planning information only — not a product review score. Features change; verify on each provider's site before you decide.

Who Libevyn is for

You hold wealth across EasyEquities + RA + TFSA + bank + property and want one ZAR view
You max or track TFSA room across multiple providers and worry about the 40% over-contribution penalty
You follow FIRE and need accessible vs locked wealth separated (RA until 55, property optional)
You prefer not to share bank passwords with a third-party aggregator
You already maintain a spreadsheet for net worth and want something built for that ritual

Who Libevyn is not for

You mainly need daily spend categories and automatic bank transaction import — Vault22 or your bank app is the better fit
You want a free tool and will not pay for wealth tracking
You expect live bank sync — Libevyn uses manual balance entry today (you own the numbers; update monthly)
You need personalised tax or investment advice — use a registered practitioner; Libevyn shows estimates from numbers you enter

Worked example: when to switch (or use both)

Thabo uses Vault22 to watch grocery and fuel spend on linked cards — that works well. Each month he also logs into EasyEquities, his Sygnia RA, and a bank TFSA to copy balances into a Google Sheet for net worth and TFSA totals. The sheet breaks when he adds an offshore EE USD account and forgets to convert to ZAR.

Option A — keep Vault22, add a wealth tracker: Vault22 for spend; Libevyn for monthly snapshots, tax buckets, and combined TFSA room. No need to abandon what already works.

Option B — spreadsheet only: Free and flexible if he maintains it every month — see our net worth tracker guide for what to track.

Option C — Vault22 only: Fine if he never needed cross-provider TFSA room or FIRE-style accessible wealth — the search for an "alternative" may have been the wrong category.

Other options people compare

Bank apps — one institution only; no combined TFSA or FIRE view
US tools (Monarch, Kubera, Empower) — strong net worth UX; weak or missing SA tax rules
Stealthy Wealth-style spreadsheets — gold standard for many PFZA users; maintenance cost is the trade-off

Frequently asked questions

Is Vault22 the same as 22seven?: Yes. 22seven rebranded to Vault22 under Old Mutual. The app still focuses on linking bank and card accounts to track spending and cash flow. The name changed; the core product category (budgeting and aggregation) did not.
Can Vault22 track net worth across EasyEquities, RA and TFSA?: Vault22 can show linked account balances and some investment exposure, but it is built for budgeting — not for a tax-bucket wealth view across every provider you use. Many DIY investors maintain a separate spreadsheet or wealth tool for EE, RA, TFSA and property because provider portals only show their slice.
Does Vault22 show TFSA room across multiple providers?: No. Like every provider app, it does not replace a cross-provider view of your combined SARS annual and lifetime TFSA limits. You still need to total contributions yourself before topping up a second TFSA.
Why would someone choose manual entry over bank linking?: Some investors prefer not to share bank credentials with a third party, want to include accounts that do not link cleanly (offshore, property, RA statements), or need planning numbers they control and can export. Manual snapshots trade convenience for privacy and flexibility.
Is Libevyn free like Vault22?: No. Vault22 is free and ad-supported through its parent ecosystem. Libevyn is a paid wealth tracker with a 14-day trial — priced for people who want SA tax-aware net worth and TFSA room without bank passwords.
Can I use both Vault22 and Libevyn?: Yes. Many people use a budgeting app for day-to-day spend and a separate wealth tracker for monthly net-worth snapshots, TFSA room, and FIRE progress. They solve different problems.

Try it in Libevyn

Add EE, RA, TFSA, property and cash — update balances on your monthly ritual and see net worth by tax bucket, cross-provider TFSA room, and FIRE portfolio. 14-day free trial — no bank passwords.

Start free trial

Planning information only — not financial or tax advice. Figures are estimates from the numbers you enter; not SARS-verified. Confirm with SARS or a registered practitioner before acting. Libevyn is not affiliated with Vault22, 22seven, or Old Mutual.