Know what to do
with your money today
Safe spend, Aussie tax & HECS, super, bank feeds, goals and AI coaching — one dashboard that tells you the next move.
- Built for AUD & Aussie tax
- Open banking ready
- No spreadsheet required
Net worth
$209,460
↑ 8.4% this year
Cash runway
4.6 mo
Healthy buffer
Savings rate
28.8%
Above 20% target
Alert
Shopping spike
+18% vs 3-mo avg
Track holdings, performance and CGT
Log shares and ETFs in AUD or USD, watch portfolio charts over time, and see realised gains flow straight into your tax estimate — without a separate spreadsheet.
- Holdings in one placeAdd tickers manually or track what you own alongside the rest of your net worth.
- Live performance chartsSee portfolio value over 1D, 1M, 1Y and more — with AUD/USD handled for you.
- Realised gains for taxRecord sales and cost base so capital gains show up on your Tax tab automatically.
- Sold holdings historyKeep a clear record of what you exited, when, and what it means for this financial year.
Insights & your weekly brief
Actionable next steps alongside a plain-English recap of what changed this week.
Boost home deposit contributions
You're 2 weeks ahead — increase weekly transfer by $40 to finish 3 months early.
Shopping spend is elevated
107% of benchmark this month. Review recent discretionary purchases.
Strong savings rate
28.8% saved — well above the 20% target for your income band.
Weekly money brief
Week of 24 Mar — here's what changed
Spending down 6% vs last week
Groceries and transport both improved.
Unusual charge: $189 at Apple Store
2.4× your typical electronics spend.
Home deposit fund +$420 this week
28% to target — 2 weeks ahead of plan.
Dining trending up (+$64/wk)
3 extra restaurant visits detected.
Homes and investment properties in one portfolio
Track value, mortgage, rent and running costs — with yield, equity and borrowing capacity rolled into your net worth and tax picture.
- Portfolio at a glanceTotal value, equity, debt and average gross yield across every property.
- Mortgage & rent trackingRemaining loan, interest rate, monthly rent and expense lines per property.
- Bank feed syncTag transactions as Property to pull rent and costs in automatically.
- Borrowing capacityModel what you could borrow next using your income and existing debt.
Financial Goals
Allocation · progress — the same view you get in the app.
Model decisions before you make them
Slide savings, income, housing and big expenses — see net worth and goal timelines update instantly, with AI chat grounded in your numbers.
See where your money goes, day by day
The budget calendar maps every inflow and outflow onto the month — so you know exactly when cash is tight and what is driving it.
- Daily calendar viewIncome and spending on each day, pulled from your bank feed.
- Spot crunch weeks earlySee low-balance days before they become overdrafts.
- Categories that add upHousing, groceries, dining — trace big moves back to the source.
- Forecast + budgetSwitch to runway forecast or drill into the month on one tab.
Ready to move smarter
with your money?
Start free, upgrade when you want bank sync and advanced planning tools.
Free
Everything you need to see where you stand and set goals.
- Overview dashboard & net worth
- Goals, targets & progress tracking
- Manual accounts & investments
- Aussie tax & HECS estimates
- Profile & monthly savings pool
Premium
Link your accounts and unlock planning tools grounded in your data.
- Everything in Free Overview, goals, investments, tax & profile
- Bank Feed Connect your bank and categorise transactions
- Super Project balance to retirement and model fees
- Property Track value, rent, mortgage & yield
- Cash Flow Forecast runway and monthly budget calendar
- Simulator What-if sliders and plain-English chat
- Coach Health score, insights & weekly brief
Common questions
What is MoneyMoves?
MoneyMoves is an Australia-first personal finance web app. It helps you see safe daily spend, understand tax and HECS, compare super, link bank accounts, set goals and get AI guidance — all in one dashboard.
Is MoneyMoves built for Australians?
Yes. MoneyMoves uses AUD, Australian tax brackets, HELP/HECS repayments, superannuation tools and open-banking integrations designed for Australian users — not generic US templates.
Do I need to link my bank account?
No. You can enter income and expenses manually and still use safe spend, tax, super, goals and coaching tools. Bank linking is optional and helps automate categorisation and cash-flow forecasts.
Is MoneyMoves free to start?
Yes. You can create a free account and use the overview dashboard, goals, manual accounts, investments, Aussie tax and HECS estimates, and your monthly savings pool. Premium is $10 per month when you want bank sync and advanced planning tools.
What does Premium include?
Premium unlocks bank feed linking, super projections, property tracking, the cash flow calendar, the wealth simulator with what-if sliders, and the AI coach with health score, insights and weekly brief — on top of everything in Free.
How does the cash flow calendar work?
MoneyMoves forecasts your monthly inflows and outflows so you can see runway, upcoming bills and whether you are on track before month-end. With bank feeds connected, it stays updated from your transactions.
Does MoneyMoves calculate HECS and Australian tax?
Yes. MoneyMoves estimates income tax using Australian brackets and includes HELP/HECS repayment logic so you can see take-home pay and repayment impact alongside your broader plan.
Is MoneyMoves financial advice?
No. MoneyMoves provides general information and planning tools only. It does not replace licensed financial, tax or legal advice.