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Spend Smarter

Min-Max Your Money

“Tiny tweaks today, massive gains tomorrow.” – made by Don H.

Expense Dashboard

Current Spending

No expenses added yet for the current path. Click "Add Expense" to start.

Income & Savings Manager
Track income, estimate spending, and plan your savings goals.

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(Savings calculations include an indicative cap of $300.00/year for items marked tax deductible from the Current Spending Path based on general 'no receipt' guidelines)

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Enter your fortnightly income above to see this estimate.

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Indicative amount used in savings calculations (max $300.00/year based on general 'no receipt' guidelines): $0.00/year.

Tax information is for educational purposes only and not advice. App calculations use an indicative $300.00/year limit for items marked deductible (based on general ATO guidelines for claims without full receipts). This does not represent actual tax savings. Tax laws are complex; consult a registered tax agent.

Additional Expected Tax Refunds/Credits (Annual)

Enter any other annual tax refunds or credits you expect. This will be added to your potential savings.

Savings Goal Planner

Enter your income to plan your savings goals.

Monthly Spending Breakdown
(Current Spending)

No expense data to display for the chart.

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Financial Overview & Growth Potential

Current Path Spending

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Optimized Path Spending

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Potential Savings
View potential savings based on different time periods.

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AI Financial Assistant
Get personalized saving tips, investment ideas, or let AI create an optimized spending plan.

Use the buttons below for AI assistance.