Free forever. Pay only when you're ready.
Schedule-based budgeting, FIRE, net worth, most calculators — all free, no card, no countdown. Paid is here when your finances ask for more: multiple properties, partner accounts, scenario modelling, and AI categorisation across the months you'd rather not categorise by hand.
Free
Real day-to-day money software. Track everything, plan FIRE, run every calculator.
- Schedule-based budgeting + recurring
- Budget + transactions
- Net worth tracking
- FIRE timeline
- Mortgage offset (basic)
- All AU calculators
- JSON export
- 1 mortgage · 5 accounts · 10 recurring items
Paid
Most popularAI categorisation, the deeper calculator views, and cross-tool connectivity. Higher household limits.
- Everything in Free
- AI auto-categorisation
- Weekly AI insights
- Mortgage offset — advanced cards + multiple scenarios
- Cross-tool connectivity (link calc inputs to real accounts)
- 10 mortgages · 100 accounts · 500 recurring items
- Up to 100 members per household
- Priority email support
Pro
Most powerfulMulti-entity wealth, super & trust tools, insurance, and investment tracking. For finances that span entities, structures, or portfolios.
- Everything in Paid
- Multi-entity wealth (Personal / Trust / SMSF / Company)
- Super: contribution caps + Div 293 tracking
- Trust ledger + beneficiary distributions
- Property cost-base register
- Goals + SOA tracker + live tax position
- Cashflow waterfall
- Insurance suite (policies + needs + reminders)
- Holdings + target allocation + drift
- DCA scheduler + RSU schedule
What's in each tier.
| Feature | Free | Paid | Pro |
|---|---|---|---|
| Schedule + recurring | |||
| Budget + transactions | |||
| Net worth tracking | |||
| FIRE timeline | |||
| AU calculators (most) | |||
| JSON export | |||
| AI auto-categorisation | — | ||
| Weekly AI insights | — | ||
| Mortgage offset — advanced cards | — | ||
| Multiple offset scenarios | — | ||
| Cross-tool connectivity | — | ||
| Multi-entity wealth | — | — | |
| Super: caps + Div 293 tracking | — | — | |
| Trust ledger | — | — | |
| Property cost-base register | — | — | |
| Goals + SOA tracker | — | — | |
| Live tax position | — | — | |
| Cashflow waterfall | — | — | |
| Insurance suite | — | — | |
| Investments + allocation | — | — | |
| DCA + RSU scheduler | — | — | |
| Members per household | 1 | 100 | 999 |
| Mortgages | 1 | 10 | 999 |
| Accounts | 5 | 100 | 999 |
| Recurring transactions | 10 | 500 | 9,999 |
Honest answers.
Yes. One click in settings. We'll keep your data so you can come back; export it any time if you'd rather take it with you.
Yes — all prices are Australian dollars, inclusive of GST. Payment is via Stripe.
Start the trial on Paid. No charge for 7 days. Cancel before then and you drop back to Free with no charge — your data stays.
People whose finances span more than one entity (family trust, SMSF, investment company) or who are actively managing a portfolio (holdings ledger, target allocation, DCA, RSU vesting). $29.99/mo AUD with a 7-day free trial — same trial structure as Paid.
Nothing. We don't expire free accounts. Your numbers stay where they are.