Budget Manager
Free foreverBudget Manager is the first step. Split every pay into categories that accumulate, see exactly where your money goes, and build the surplus that buys the first property.
No credit card. No trial clock. Upgrade only when you have property to track.
Ready to Assign
$180
Fortnightly pay
$3,200
Illustrative. Your categories, your numbers.
Why budgeting comes first
Every landlord we have spoken to started the same way: they worked out where their money was going, then redirected the difference. Budget Manager exists to make that difference visible and repeatable.
Enter what lands in your account weekly, fortnightly or monthly. Split it by a fixed dollar amount or a percentage. Anything left over sits in Ready to Assign until you decide.
Categories are cumulative, not monthly resets. Car rego quietly builds to $900 over the year instead of ambushing you, because the money was never swept away.
Recurring deductions and deposits apply themselves on schedule. Come back after a fortnight away and every missed cycle has already been caught up.
Give a category a target and the card shows how close you are. A holiday fund at 68% is a far better motivator than a number in a spreadsheet.
Six charts built on the same ledger: balances over time, money in versus out, where each pay goes, spending by category, and plan versus actual.
Every balance is derived from your entries, so it can never drift from its history. What the chart says is exactly what the ledger says.
Set up in four steps
01
Amount, frequency and the date of your next one. We handle 26 fortnights a year, not 24.
02
Start from a pre-filled Australian list, or build your own. Essentials, Lifestyle, Savings and Debt.
03
Dollars or percentages. A live meter shows what is left to assign so you cannot overcommit by accident.
04
Log a pay, log a spend. Balances, targets and trends update immediately.
Pricing
Budget Manager costs nothing because it is how most people meet us. When you buy your first investment property, Portfolio Manager is waiting at $5 a month. Until then, keep budgeting.
Budget Manager
Start hereForever. No card required.
What comes next
Once the surplus turns into a deposit and the deposit turns into a property, Portfolio Manager tracks yield, equity, LVR and cashflow across an unlimited portfolio. Flat fee, no lock-in. Portfolio Planner adds thirty-year modelling for another $5.
See Portfolio Manager