Free tools · No sign-up required

Understand your money,
in minutes

Three free tools built for Australian families — merge and clean bank CSVs, analyse your spending trends, or see exactly how much your mortgage offset saves you.

Expense Trend Analyser

See where your money goes each month

Drop in your bank's CSV export and get your spending charted by category, by month or by week.

  • Works with ANZ, CBA, NAB, Westpac and most Australian banks
  • Remembers your merchant categories for next time
  • Export a CSV or a print-ready PDF report
Analyse my expenses Try it with sample data →
Finance File Organiser Optional first step

Several accounts or shared bills? Merge them first

Combine statements from different accounts, split joint expenses by your share, then send the result straight to the Expense Trend Analyser.

Open File Organiser Try sample statements →
Mortgage repayment calculator with Offset account

See how much your offset account saves you

Enter your loan, rate and offset balance to see the interest you save and how much sooner the loan is paid off. It updates as you type.

  • Compare monthly, fortnightly and weekly repayments
  • Add regular contributions to your offset
  • See your loan balance charted with and without offset
Open calculator See this example →
Private by design

Your bank data never leaves your browser

Your statements are read and processed on your own device. Your transactions are never uploaded to a server or stored by us.

Built for Australian banks
Export a CSV from your bank's app and drag it straight in. Works with ANZ, CBA, NAB, Westpac and most Australian banks.
Categories that stick
Map each merchant to a spending category once. Your choices are saved in your own browser, so the next upload is already sorted.
Joint accounts and foreign currency
Split shared expenses by your share, and convert foreign-currency transactions to AUD with a live rate.
Reports you can keep
Download a CSV with every transaction, or print a PDF with your chart and category totals.

All three tools are free — no account needed

Open a tool and get your answers in minutes.

Analyse My Expenses Mortgage Calculator →
Get in touch

We'd love to hear from you

FamilyFolio is in active development. Got a feature request, found a bug, or just want to say hi? Reach out directly.

Email us directly
yuan.zpek@gmail.com