You link all your money stuff (bank accounts, cards, investments and loans) so 22seven can automatically gather all your balances, transactions and other relevant information and bring it together in one place for you. Once that’s done, every transaction is automatically categorised so you can see exactly how much you spend on what. A personalised budget, based on your own actual behaviour, is automatically generated for you. And you can track your spending any time of the month to see if you need to slow down or if you’ve got money to spare. You’re also shown how much money you have and owe, and your net value. And there’s a bunch of other features and tools that help you make more sense of your money, more easily, or save for your goals.