Categories are crucial for budgeting so that you can see exactly how you’re spending your money. 22seven has a list of default categories, created to accurately group all your income and expenses. Our algorithm will automatically pick the best category for your transaction, but you can easily recategorise, assign uncategorised transactions or even create your own custom categories.
Below is a list of all the default 22seven categories and the types of transactions that fall under them:
Beer, wine and spirits.
ATM & Cash
Cash withdrawals from an ATM or supermarket till.
Bank Charges & Fees
Bank transaction fees for transfers, payments and debit orders.
Books & Stationery
Books, pens, pencils, printing paper and other stationery.
Business related expenses, reimbursable company expenditure.
Store and credit card debt repayments.
P.S. If you don't want transfers between your linked accounts to inflate your spend and/or income, simply categorise those transactions into the Transfer spending group. Find out more.
Airtime, prepaid data top-up or monthly cell phone contracts.
Children & Dependants
Allowances, baby products, babysitters, daycare fees, toys and kids’ activities.
Cigarettes, tobacco and vaping products.
Clothing & Accessories
Clothes, shoes, jewellery and other accessories.
Takeout coffees and home-use products such as coffee pods and beans.
Charities, churches, good causes or people.
Eating Out & Takeouts
Restaurants, takeouts or food delivery.
University fees, online courses and any other study.
Cinema, concert, museum or theatre tickets, movie and music subscription services and other entertainment purchases.
Friends & Family
Money given or owed to family and friends.
Stores and transactions that fall under multiple categories.
Gift purchases for friends and family.
Food and household products.
Health & Medical
Doctor, dentist and optometrist fees, hospital and medical aid bills, pharmacy purchases.
Music, art or dance lessons, collectible hobbies such as figurines, stamps and vinyl LPs.
Holidays & Travel
Air and travel-related transport tickets, accommodation expenses.
Home & Garden
Furniture and home DIY expenses, potting soil, plants and gardening tools.
Home Loan Repayments
Repayments to your home loan.
Home Utility & Service
Water, electricity, municipal rates, gardening and security services.
Domestic cleaning services.
Life, vehicle and home insurance or funeral cover.
Interest earned or paid.
Internet & Telephone
Internet subscriptions or hosting and landline fees.
Medium- to long-term investments such as retirement funds, shares, stocks and bonds.
Repaying or giving loans.
Lotto & Gambling
Lottery tickets, casino and betting expenses.
Toiletries, salons, cosmetics and treatments.
Veterinary bills, grooming products and pet food.
Specialised service hire such as lawyer or accountant fees, financial advisors or photo printing.
Rental expenses for your home, parking or storage.
Salaries & Wages
Salaries, wages and commissions.
Money saved for future purchases, cash on hand or an emergency fund.
Software & Services
Software subscriptions, charges and services such as Microsoft Office, Adobe Suite, or an antivirus.
Sport & Fitness
Sporting equipment and gear purchases, gym memberships or other fitness classes.
PAYE, VAT and other taxes.
Tech & Appliances
TVs, computers, cell phones, kitchen and laundry appliances or other electronic devices.
Transport & Fuel
Fuel, parking fees, public transport, car rental and rideshare.
TV licence, DSTV, online TV streaming services.
Vehicle service charges and parts.
Vehicle finance repayments.