LogoUniversal Personal Finance

Your Finances. One Clear View.

Track spending, investments, and documents in one place — with AI-powered categorisation, multi-currency support, and beautiful reports.

universalfinance.ai

Total Balance

R 142,350

Monthly Spend

R 23,870

Investments

R 87,200

Monthly Cash Flow

Recent

Woolworths-R 830
Netflix-R 199
Engen-R 540
Latest Features Added

What's New

Email Your Bank Statements

Email PDF bank statements directly to your account. AI analyses them, categorises every transaction, and imports them automatically — no manual uploads needed.

Email Documents for AI Analysis

Email insurance policies, wills, contracts and other documents. AI generates summaries and lets you ask questions about your documents in plain English.

Import Wizard — Money In / Money Out Snapshot

The bank statement import wizard now gives you an instant “money in / money out” snapshot of your statement, so you can see exactly where your money went and allocate transactions to categories before importing.

Everything You Need to Take Control

Built for South Africans who want a clear, complete view of their money — without spreadsheets or guesswork.

Smart Bank Imports

Upload CSV statements and let AI auto-categorise every transaction — learn your habits over time.

Investment Tracking

Track portfolios across currencies with real-time valuations, buy/sell history, and performance charts.

Document Safe

Store wills, policies, and contracts in one secure place — with AI-powered summaries and Q&A.

Calendar & Recurring Payments

See every debit order and subscription on a calendar. Never miss a payment again.

Reports & Money Score

P&L, balance sheet, cash-flow reports — plus an AI-powered Money Score that grades your financial health.

Multi-Currency Support

Manage accounts in ZAR, USD, EUR, GBP and more — with automatic exchange-rate conversions.

See It in Action

Clean, fast interfaces designed to help you understand your money at a glance.

Transaction Register

Pick n Pay

Groceries

-R 1,240

Salary Deposit

Income

+R 35,000

Vodacom

Telecom

-R 599

Netflix

Entertainment

-R 199

Every transaction, neatly organised — search, filter, and edit in seconds.

Reports
Income vs ExpensesLast 6 months
Income Expenses

Profit & loss, balance sheets, and visual breakdowns — always up to date.

Investment Portfolio

Satrix Top 40

+3.2%

R 42,100

S&P 500 ETF

+1.8%

$2,340

Krugerrand

+5.1%

R 45,100

Track every holding across currencies, with real-time performance.

Get Started in Three Steps

Step 1

Sign Up

Create your account in under two minutes — no credit card required.

Step 2

Import Statements

Upload bank CSVs or add transactions manually. AI handles the categorisation.

Step 3

See Your Full Picture

Instantly get reports, charts, and insights across all your accounts and currencies.

Join the Beta — It's Free

We're building this with real users. Sign up today and help shape the future of personal finance in South Africa.

Sign Up for Beta