Everything Bickie can do.
A complete, honest list of what's in the product today — from schedule-based budgeting to multi-entity wealth. If it's on this page, it's built and you can use it now. The handful of things still on the way are at the bottom, clearly marked.
PaidPro— everything else is free.
Transactions
Every dollar in and out, captured the way you actually think about it.
Every payment and deposit across all your accounts, newest first, with name, date, merchant, category, account and amount.
Flip the list between everything, just single entries, or just repeating schedules.
Record a one-off payment or income against any account, change it later, or remove it.
Tag each entry as income or expense, shown clearly in green or red.
Label spending with a colour-coded category pill.
Note who you paid and add free-text context to any transaction.
Tick entries as deductible so you can find them at tax time.
Find by name, merchant or note; filter by type, account, category, source, tax status, date or amount; sort any way.
Select many at once and categorise or clear them in a single step.
Bickie proposes a category for uncategorised transactions — accept, swap or dismiss.
Accepting a suggestion saves a matching rule, so the next similar transaction is sorted automatically.
Schedules, budget & forecast
Bickie's core idea: tell it your repeating money, and it shows you what's coming.
Set repeating income and expenses — rent, salary, subscriptions — that feed your budget and forecasts.
Daily, weekly, fortnightly, monthly, quarterly or yearly, with an 'every few periods' multiplier.
Give a schedule a window, or pause it without deleting it.
Forecast income, expenses and net position for your current pay cycle, built from your schedules.
See what your schedules predicted against what's actually landed, with progress bars.
How much recurring income is still due to arrive and how much expense is still to go this cycle.
A projected balance line over the next 90 days, highlighting the lowest and highest points.
A month calendar with income/expense dots, combining real and upcoming payments; tap any day for detail.
A bar chart of your net position across recent and upcoming pay cycles.
Pie charts of forecast spend by your own groups and by category.
Bucket repeating items into named groups, and pause a whole group at once.
Accounts, mortgages & net worth
Your whole financial position — balances, property, loans — in one place.
Track bank accounts, credit cards, super and cash; colour-code them; see assets, liabilities and net balance.
Every balance change is captured automatically and charted, with growth since you started.
A per-account switch to keep an account in or out of your net-worth totals.
Model your loan with its offset and watch extra contributions and lump sums speed up payoff.
Track more than one mortgage, each on its own tab.
Compare extra-contribution plans side by side to see the interest and time each saves.
Drop one-off lump sums (tax refunds, bonuses) on dates and watch them accelerate payoff.
Right-now cards: monthly interest, annual interest saved, where your offset should sit, effective rate.
Connect a real bank account so its balance feeds your mortgage's offset figure.
Enter a property's value to see equity, with the property as an asset and the loan as a liability.
Total assets, liabilities, net worth and a debt-to-asset health rating at a glance.
Add your own assets and liabilities that aren't tracked as accounts.
Save dated net-worth snapshots and watch the trend over time.
Where your assets sit, and assets vs liabilities vs net worth.
The dashboard
The numbers you check most, arranged the way you want them.
Rearrange, resize, add and remove dashboard cards, or reset to default.
This pay cycle's income, expenses and net position at a glance.
Log a transaction inline without leaving the dashboard.
What's due in the next 30 days, and a countdown to your next income.
Liquid balance minus upcoming bills through to your next payday.
The 90-day projected balance line, on your home screen.
Every account with its balance, and flags when a spending account runs low.
Your net-worth trend and how far you are toward financial independence.
How much you're keeping and where the money's going.
Your top AI insights, with a link to see them all.
Australian calculators
Built for Australian rules — tax, super, stamp duty, CGT — not patched onto a US engine.
Your path to financial independence in two phases: building wealth, then how long it lasts.
How a balance grows with regular contributions and compounding.
What percentage of your income you actually keep, and what it means.
After-tax take-home from a gross salary, including Medicare levy and study-loan repayments.
Estimated CGT on a planned share or property sale, including the 12-month discount.
Roughly how much a lender would offer based on income, expenses and existing debt.
How much faster your loan finishes and how much interest you avoid with an offset.
Two loans side by side over their full life, including rate, fees and total cost.
Park spare cash in your offset or invest it — which comes out ahead, and when.
Weekly out-of-pocket cashflow on an investment property after rent, costs and tax.
Your net position after ten years buying with a mortgage vs renting and investing the deposit.
Property transfer duty across every Australian state and territory.
Your cover gap across life, TPD, trauma and income protection, given debts and dependants.
Insights & scenarios
A weekly read on your money, and what-ifs you can drag.
An AI-written read on your finances — overview, budget, strengths, opportunities, peer comparison and goals.
Regenerate insights and scenarios now instead of waiting for the weekly run (daily allowance applies).
How your spend and key metrics compare to typical Australian households for your income and size.
Cards like 'retire sooner' or 'pay the mortgage off faster' that recalculate live as you drag sliders.
An always-on 0–100 score across savings, runway, debt and how well you've categorised spending.
A this-period forecast-vs-actual view with optional AI commentary.
AI assistants
Bring your own AI. Link an assistant and ask about your money in plain language.
Link any MCP-capable AI assistant to your Bickie account.
Assistants can read your accounts, balances, transactions, budgets, goals, net worth and projections — nothing more unless you grant it.
A separate write permission lets an assistant add transactions, recategorise, set budgets and update goals.
Ready-made routines like bulk-recategorising a batch or setting up a savings goal.
Requests are capped per minute, and a starter-prompt library helps you get going.
Entities, investments & tax
For more complex finances: trusts and SMSFs, a real portfolio, and your live tax picture.
Create separate legal entities (trust, SMSF, company), assign accounts and mortgages, and view net worth per entity.
Track concessional and non-concessional contributions per person against the year's caps, with over-cap warnings.
A live alert when your income plus concessional super crosses the Div 293 threshold.
Live profit & loss from an entity's transactions, carried-forward losses, and beneficiary distributions.
Track holdings with live prices, set a target asset allocation, and see drift against it.
Add equity grants and auto-generate vest tranches with cliff and cadence, and track what's vested.
Plan recurring buys per holding and confirm each as you make it.
Store advice documents, extract recommended actions with AI, and track them on a kanban with review reminders.
Your year-to-date and projected AU tax — brackets, Medicare, LITO, HELP and a Div 293 estimate.
Itemise a property's CGT cost base by type to feed the capital-gains calculator.
Ordered rules that allocate your monthly surplus — fixed amounts, percentages, then a sweep.
Set and track savings, debt and retirement goals with progress and target dates.
Record your life, TPD, trauma and income-protection policies alongside the needs calculator.
Households & sharing
Share the picture with a partner — with the right access for each person.
Group your money tracking under a named household you can share.
The owner invites others by email to share access.
Owner, Member (can edit), Limited (add but not delete), or Viewer (read-only).
See pending invites, copy a join link, or cancel ones you no longer want.
Jump between any household you belong to from the header.
Manage who's in your household and what it's called.
A throwaway demo household with realistic sample data to explore, that never counts toward limits.
Security & your data
Strong sign-in by default, and your data is always yours to take or delete.
Sign in with email and password, a magic link, or your Google or Apple account.
New passwords are privately checked against known breaches and blocked if exposed — without ever leaving your browser.
Turn on TOTP 2FA with any authenticator app; register more than one device, each named.
Single-use backup codes to get back in if you lose your authenticator.
End every active session at once.
Download a complete JSON file of your household — accounts, transactions, schedules, mortgages, net worth and more.
Bring data back in from a Bickie export, with every import logged and reversible.
Permanently delete your account and all your data, anytime, from settings.
Database-level rules mean you only ever see your own household's data.
Notifications & platform
Stay in the loop, your way, on any device.
Choose which emails you get — trial reminders, payment alerts, large-transaction alerts, new-member alerts.
Get notified when a transaction exceeds a threshold you set.
A recurring email summary of income, expenses, net position and top categories — weekly or monthly.
Set a daily window when Bickie won't email you.
Match your system, or pick a theme per device.
The layout adapts to phones, tablets and desktop.
Pricing & your subscription
Free forever for the essentials, paid when you want more.
Budgeting, transactions, net worth, FIRE and the calculators — no card, no countdown.
AI categorisation, weekly insights, advanced calculator views and higher limits.
Multi-entity wealth, super and trust tools, investments, insurance and your live tax position.
Choose monthly or discounted yearly pricing, with the yearly equivalent shown.
Try a paid plan; cancel anytime and auto-downgrade to free if you don't subscribe.
Apply a promo code for a discount — some grant free access with no card.
Open the payment portal to update your card, download invoices or cancel — and upgrade Paid → Pro in a click.
Getting around
Fast to navigate, whatever you're here to do.
A grouped side menu (Track, Own, Plan) that collapses to icons, and a slide-out drawer on phones.
A keyboard shortcut to jump straight to any tool, calculator or setting by name.
Pin your most-used pages to the top of the menu and drag them into order.
A first-run flow that walks you through your pay cycle, accounts and schedules.
Always know where you are, with one place linking every setting.
Coming soon
We'd rather be straight about what isn't built yet. These are in progress — they're not part of any plan's promise until they ship here.
Securely link your bank so transactions import and sync automatically. In beta, off by default.
Turn portfolio drift into specific buy/sell amounts to get back to target.
Have scheduled DCA buys and RSU vesting flow into your cashflow forecast.
Feed your property cost-base register straight into the capital-gains calculator.
Optimisation and bring-forward planning on top of contribution-cap tracking.
Track goal progress automatically from linked accounts, with catch-up contribution guidance.
A new visual design rolling out gradually — today's users keep the current look until then.
Start with the free plan.
No card, no countdown. Add more when you're ready.