The first thing you’ll do is link your money stuff: cheque and savings accounts, credit and store cards, investments, loans and rewards.
When you link accounts, 22seven usually gets the last 3 months’ transactions from them. After that, they’re automatically updated whenever you log in, or daily.
22seven identifies each transaction and automatically puts it into a category like Groceries, Rent or Pets. Use existing categories or create your own.
22seven automatically adds up what you spend on each category, each month, so you see exactly where your money goes. Brace yourself: it’s honest about what you do with your money.
22seven generates a budget for you, based on your own, actual behaviour. It shows you what you spend on things on average each month, have spent so far this month, planned to spend and have left to spend.
Nudges are useful hints and observations that help you use your money better. They’re relevant to you – your money, your spending – and designed to highlight things you may not otherwise have known or noticed.
You can see your net value and (hopefully) watch it grow each month. You also get an honest view of what you have, owe and can borrow (not what the bank says you have “available”).
Every transaction is remembered and stored for you for as long as you use 22seven. Search using various filters and find whatever, from whenever. And you don’t have to pay for the information (unlike at your bank). After all, it belongs to you.
All your income and expenses are automatically categorised and exportable. Manual record keeping isn’t necessary anymore, ever.
We’ll never stop evolving and improving 22seven. We want to help more
people find more money, in more ways, so they can do more of the stuff
that’s really important to them.