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.

Analyse My Expenses Offset Calculator →
No account needed
Data stays in your browser
Australian bank formats
Expense Trend Analyser
Free
Groceries $1,240
Dining $680
Transport $420
Shopping $890
Finance File Organiser
Free
commbank-jan.csv ✓ 84 rows
anz-jan.csv ✓ 61 rows
westpac-jan.csv ✓ 43 rows
Merged & ready
188 transactions
Mortgage Offset Calculator
Free
Loan Balance $600,000
Interest Rate 6.5% p.a.
Offset Balance $50,000
You save
$127,400
Time saved
4.2 yrs
Works with
ANZ · CBA · NAB · Westpac CSVs Data never leaves your device Export to CSV & PDF Australian mortgage rates
What you can do today

Three tools, completely free

No sign-up, no credit card. Upload your bank export or enter your loan details — everything runs in your browser.

Upload Your Bank CSV
Export a CSV from your bank's app and drag it straight in. Works with ANZ, CBA, NAB, Westpac and most Australian banks.
Merge Multiple Accounts
Upload CSVs from multiple bank accounts at once. The File Organiser merges them into a single clean file, with support for joint expenses and foreign currency conversion.
Smart Category Mapping
Map each merchant to a spending category once. Your mappings are saved locally in your browser — no re-mapping on the next upload.
Spending Trend Charts
See your monthly or weekly spending by category as bar or line charts. Filter by date range and toggle categories on or off to focus on what matters.
Mortgage Offset Savings
Enter your loan balance, interest rate, and offset balance to see your total interest saved and how many years come off your loan term.
Repayment Frequency
Compare monthly, fortnightly, and weekly repayments side by side. Switching to fortnightly alone can cut years off an Australian mortgage.
Export & Print Reports
Download a full CSV with transaction-level detail, or print a branded PDF report showing your chart, category totals, and spending breakdown.
Free tools

Pick a tool and start now

No sign-up, no credit card. Just open the tool and go.

File Organiser
Finance File Organiser
Upload CSV exports from multiple bank accounts, merge them into one clean file, flag joint expenses, and send them straight to the Expense Trend Analyser.
  • Drag in CSVs from ANZ, CBA, NAB, Westpac and more
  • Merge multiple accounts into a single transaction list
  • Flag joint expenses and split by your share percentage
  • Detects foreign currencies and converts to AUD with live rates
  • Open directly in Expense Trend — no re-uploading needed
Open File Organiser
Expense Analyser
Expense Trend Analyser
Upload your bank's CSV export and instantly see where your money goes — broken down by category, charted by month or week, with full transaction detail.
  • Works with ANZ, CBA, NAB, Westpac and most Australian banks
  • Map merchants to categories — saved locally for next time
  • Filter by date range and toggle categories on or off
  • Export a full CSV or print a branded PDF report
  • All processing in your browser — your data never leaves your device
Analyse My Expenses
Mortgage Calculator
Mortgage Offset Calculator
See exactly how much time and money your offset account saves over the full life of your Australian home loan — updated in real time as you type.
  • Compare standard repayments vs. with offset account on a chart
  • Choose monthly, fortnightly, or weekly repayment frequency
  • Enter your current offset balance and monthly contributions
  • See total interest saved and years removed from your loan term
  • Works for variable rate home loans across all Australian lenders
Open Calculator

All three tools are free — no account needed

Your bank data is processed entirely in your browser. Nothing is stored on our servers. Open a tool and get your answers in minutes.

Analyse My Expenses Mortgage Calculator →
Get in touch

We'd love to hear from you

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