Financial intelligence, not just financial tracking
moneymood goes beyond showing you numbers. It analyses your finances, detects patterns, models your future, and gives you the knowledge to make better decisions.
Insights that actually help
moneymood analyses your complete financial picture across over 30 dimensions including income, spending, assets, debts, goals, behaviour patterns, and progress. The AI engine generates insights that are specific to your situation, not generic tips.
From detecting spending spikes to identifying savings opportunities, moneymood surfaces what matters so you can focus on what to do next.
Everything you need in one place
Net Worth Tracking
See your total net worth calculated across all accounts, property, super, and investments. Track growth over time with historical analysis, CAGR calculations, and milestone tracking.
Financial Trajectory
Model your financial future year by year to retirement. moneymood projects your property equity, super balance, investment growth, debt payoff, and overall net worth trajectory.
Scenario Modelling
What if you made extra mortgage payments? Increased super contributions? Cut expenses? Simulate different scenarios and compare the long-term impact on your wealth.
Behaviour Analysis
Understand your spending personality, detect recurring habits, spot seasonal patterns, and measure income consistency. See how your financial behaviour is trending over time.
Debt Strategy
Compare snowball vs avalanche repayment strategies with month-by-month simulations. See total interest paid, months to debt freedom, and how much each strategy saves you.
Superannuation Projections
Project your super balance to retirement with employer SG contributions, voluntary and salary sacrifice amounts, and compound returns. See milestone balances at key ages.
Income and Spending
All transactions categorised automatically. See where your money goes each month, track spending against budgets, and identify categories where you can optimise.
Goal Tracking
Set savings goals for house deposits, holidays, emergency funds, or anything else. moneymood tracks your progress automatically and tells you if you are on pace.
Subscription Detection
moneymood automatically detects recurring payments and subscriptions across your accounts. See exactly what you are paying for each month and spot forgotten services.
Financial Progress Engine
Track your financial improvement across multiple time windows. moneymood measures velocity and acceleration across wealth growth, debt reduction, savings, and spending habits.
Insurance Benchmarking
Compare your insurance costs against national benchmarks. moneymood highlights potential savings for home, car, and travel insurance and links you to where you can compare quotes.
Property and Lending
Track property values alongside mortgage balances. See equity growth, estimate borrowing capacity, and calculate stamp duty for any Australian state or territory.
See where your money is headed
moneymood models your complete financial trajectory from today to retirement. It factors in mortgage amortisation, super contributions with legislated SG rate changes, investment returns, debt repayment schedules, and savings growth.
You can see year-by-year projections of your net worth and key milestones like when you will be mortgage-free, debt-free, or reach net worth targets.
All of this is completely free
Get in TouchFree for organisations and their people. No hidden costs.
Built for your whole financial life
Secure Document Vault
Store tax returns, payslips, insurance certificates, and loan documents securely. Encrypted and always accessible when you need them.
Household Finance
Combine financial views with a partner or family. See combined income, shared goals, and household net worth while each person keeps control of their own data.
Weekly Financial Brief
Receive a weekly summary of your financial position including what changed, what improved, and what needs attention. Stay informed without effort.
Financial Alerts
Get notified about spending spikes, budget warnings, new subscriptions, large transactions, and savings rate changes. Stay on top of your finances.
Financial Memory
moneymood remembers your financial milestones, progress, and key moments. Your financial history is tracked and used to provide context-aware insights.
Works on Any Device
Access your financial dashboard from desktop, tablet, or mobile. moneymood is fully responsive and works beautifully on any screen size.
Start understanding your finances today
Free to use. No credit card required.