Turn on what you need from Settings → Features. Here's what's actually in the box.
Salary or hourly, weekly/fortnightly/monthly/annual — enter your pay exactly how you get it. Single, Couple, or Family household types adjust the tax and bucket math automatically.
The official Barefoot Investor split (60/10/10/20) in one click, or build a fully custom split with as many accounts as you like — fixed dollar or percentage-based.
Core featureLog income and expenses with dates, notes, and photos of receipts. Search, filter, and set up recurring bills so rent and subscriptions log themselves.
Core featureUpload a bank CSV export and it groups similar transactions together. Categorise a merchant once — it remembers, and auto-detects the same merchant next time.
Save toward a car, a holiday, a house deposit — set a target and (optionally) a date, and it tells you how much to put away each month to hit it.
Set a bill or your pay once and it logs itself automatically on schedule — weekly, fortnightly, or monthly.
List every debt, pick Snowball (smallest first) or Avalanche (highest rate first), add an extra monthly payment, and see exactly how much time and interest you save.
Loan amount, rate, term, and payment frequency (weekly/fortnightly/monthly) — see the real difference an extra repayment makes to your payoff date and total interest.
Cross-checks your goals, debt extra, and mortgage extra against what your buckets can actually cover — so you don't accidentally commit to more than you earn.
A running estimate that grows as you log deductions through the year. Add your actual payslip withholding for a proper refund/owing figure, not just a rough guess.
Signature featureThe real 2026–27 ATO cents-per-km rate, capped correctly at 5,000km, with a one-click "add to ledger" so it flows straight into your deduction record.
Common examples for tradies, healthcare workers, hospitality & retail, office/remote workers, and teachers — a starting point before you check the ATO's own occupation guides.
One click exports a clean CSV of every tagged deduction — date, category, amount, notes — ready to hand straight to your accountant.
Log each payslip (gross, tax withheld, super) with an optional photo — it automatically feeds your Tax Refund Tracker so the number reflects your real withholding.
Super, other assets, and total debt (pulled straight from the Debt tab) rolled into one honest net worth figure.
Dividends, interest, rental income, and capital-gain assets — including franking credits and a 12-month CGT discount check on unrealised gains.
Track your balance, project it forward at your own assumed growth rate, and get warned if your contributions are heading over the concessional cap.
Free sign-up, no install — just open it and start entering your real numbers.
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