One place to manage every dollar you own.
Track your personal budget, net worth, and financial health with deterministic precision. Built for Australians who take their money seriously.
Dashboard
Net Worth
$314,650
Savings Rate
36.4%
Cash Flow
$3,345.30
To FI
12.4 yrs
Spending by Category
Recent Transactions
Two Ways to Work
Simple View or Full View — your call
Simple View strips everything back to the numbers that matter most. Full View opens up the complete picture — every category, every transaction row, every column. Switch instantly with one click. Your preference is remembered.
Net Worth
$314,650
▲ +$8,420 this month
Savings Rate
36.4%
Cash Flow
+$3,345
Spending
Simple View — high-level summary. Big numbers, clean layout, no clutter.
Budget Engine
Real-time budget control
See exactly where every dollar goes. Category-level tracking with automatic progress bars, overspend detection, and savings rate calculation — updated the moment you import a statement.
- Per-category budget tracking with visual progress
- Automatic savings rate calculation
- Import PDF or CSV bank statements in seconds
Monthly Budget — February 2026
Transaction Ledger
Running balance with transfer exclusion
| Date | Description | Amount | Balance |
|---|---|---|---|
| 21 Feb | Salary — Employer Direct Credit | +$4,593.25 | $12,840.10 |
| 20 Feb | Woolworths Metro Chermside | $104.65 | $8,246.85 |
| 19 Feb | Osko Transfer — CBA SavingsTransfer | $800 | $8,351.50 |
| 18 Feb | Linkt E-Toll Account | $32.40 | $9,151.50 |
| 17 Feb | Netflix.com | $22.99 | $9,183.90 |
| 16 Feb | Uber Eats — Deliveroo | $41.80 | $9,206.89 |
| 15 Feb | BP Fuel Narangba | $87.30 | $9,248.69 |
| 14 Feb | Coles Online | $136.20 | $9,335.99 |
Transfers are detected automatically and excluded from budget calculations. Ledger balance includes all movements for accuracy.
Ledger Engine
Deterministic ledger. Every cent accounted.
Your running balance is calculated from first principles — not approximated. Internal transfers are automatically detected and visually distinguished, so your budget reflects real spending.
- Running balance with deterministic ordering
- Automatic OSKO, PayID, and internal transfer detection
- Transfers excluded from budgets, included in ledger
Net Worth
Your complete financial picture
Track every asset and liability in one place. Property, super, investments, loans, credit cards — see your true net worth and how it changes over time.
- Assets and liabilities with running totals
- Monthly snapshots with historical trend
- Australian super, property, and ETF tracking
Net Worth
$314,650
Assets
Liabilities
Built for Trust
Financial infrastructure you can verify
No black-box calculations. No approximate rounding. Every number is deterministic, every action is auditable, every import is idempotent.
Deterministic Ledger Math
Every balance is calculated from first principles. No floating-point rounding. No accumulated drift.
Transfer-Aware Budgeting
Internal transfers are automatically detected and excluded from income and expense totals.
Idempotent Statement Import
Upload the same bank statement twice — duplicates are rejected cryptographically. Zero double-counting.
Immutable Audit Trail
Every transaction change is logged permanently. Soft-delete preserves history. Nothing is truly erased.
Bank-Grade Security
JWT authentication, bcrypt password hashing, HTTPS enforcement, and production configuration validation.
Australian Infrastructure Ready
Designed for Australian financial regulations. AUD-native. Sydney-region hosting supported.
What early testers are saying
Feedback from our controlled beta programme.
“Finally, a platform that doesn't round my numbers. The ledger is exact to the cent.”
“I imported three months of bank statements and not a single duplicate. That's never happened before.”
“Being able to see transfers separately from real expenses changed how I understand my spending.”