Your money has patterns
MyMoneyMate finds them
An AI-powered personal finance app that helps you understand not just what you spend — but why, and what to do about it.
Free to use. No credit card. Built in Australia.·How we handle your data →
You already know what you spent.
You can see it in your bank app. You can see it in your spreadsheet.
You can see it in the three other finance apps you've tried this year.
What you don't know is why you keep doing the things you said you'd stop.
See where you actually stand.
Most finance apps stop at last month's spending. MyMoneyMate starts with your whole picture — every account, every asset, every loan, plotted over time.
Your net worth is the headline. Everything else is the detail.
Understand why you spend.
Every expense can be tagged with how it felt. Over time, patterns emerge that no spreadsheet will ever show you.
Maybe Friday lunches always feel like regret. Maybe big-ticket purchases feel necessary in the moment and impulsive a month later. MyMoneyMate notices. You decide what to do about it.
Insights that earned their place on screen.
The AI watches your numbers and surfaces the things worth noticing — a category trending up, a savings rate slipping, a month where the snapshot and the transactions don't agree.
No chatbot. No generic tips. Just observations from someone who has actually looked at your numbers — which, conveniently, is exactly what's happening.
Want to know what the AI sees? Every insight comes with a “What did we share with AI?” panel. Anonymised summaries only. No account names, no transaction notes.
Understand your money — not just track it.
Your data.
Financial data is encrypted and never sold.
Privacy mode, one tap away.
Hide every amount on screen when you're not alone.
AI transparency, built in.
See exactly what gets sent for analysis. It's less than you think.
Built for people who…
- Are chasing financial independence and want the numbers to prove it.
- Are saving for a first home, an emergency fund, or a real goal.
- Want their whole financial picture in one calm, honest place.
Where MyMoneyMate is heading.
MyMoneyMate is new and growing. The core works today — manual transaction entry, net worth tracking, AI insights — and there's a clear path for what comes next.
Today
- Manual entry, with mood and tags
- Net worth tracking and history
- AI insights and weekly digests
Soon
- CSV and Excel uploads
- Financial goals with AI projections
- Reconciliation alerts
Next
- Bank statement uploads with AI parsing
- Receipt scanning
- Family profiles
- Multi-currency support
Later
- Direct bank connections
- Mobile apps for iOS and Android
- What-if scenario tools
The roadmap shifts as we learn what matters. If something here matters to you, sign up and tell us — it moves up.
Is it free?
Yes. MyMoneyMate is free to use, and the free version will always be enough to run your money well.
A Premium tier with more advanced tools is coming later — early users will get a generous head start when it launches.