From scattered finances to complete clarity
moneymood brings together your financial data, analyses it with AI, and gives you the intelligence you need to make better decisions. Here is how it works.
Four steps to financial intelligence
Get in touch with our team
Contact us to set up moneymood for your organisation. No cost, no obligation. moneymood is completely free with all features included.
Connect or enter your finances
There are three ways to get your financial data into moneymood. Connect your bank accounts securely using Australia's Consumer Data Right (CDR). Import bank statements as CSV or PDF files. Or enter your financial details manually.
You can mix and match these methods. Connect your main bank via CDR, import statements from other institutions, and manually add property values or super balances.
moneymood analyses your financial picture
Once your data is in, moneymood goes to work. The AI engine analyses your complete financial picture across over 30 dimensions including income patterns, spending categories, net worth composition, debt structure, savings rate, and behavioural trends.
It detects recurring payments, identifies spending spikes, calculates your financial health score, models your trajectory to retirement, and generates personalised insights specific to your situation.
Track progress and improve your financial future
With clear financial intelligence at your fingertips, you can set goals, simulate scenarios, compare debt strategies, and track your progress over time. moneymood measures your financial velocity across multiple dimensions so you can see whether you are accelerating or slowing down.
Weekly financial briefs keep you informed about what changed, what improved, and what needs attention, without you having to check manually.
What is Consumer Data Right?
CDR is Australia's government-backed framework that gives you the right to securely share your financial data with accredited services like moneymood.
Government Backed
CDR is established under Australian federal law and administered by the ACCC and OAIC. It is the official framework for secure data sharing in Australia.
Secure by Design
CDR uses secure APIs to transfer data. Your banking password is never shared. All connections are authorised directly with your bank and can be revoked at any time.
Your Rights Protected
Under CDR, you know exactly what data is shared, how it is used, and who can access it. You can revoke consent and request deletion at any time.
Common questions about moneymood
Yes. moneymood is completely free. All features are included with no fees or hidden costs. There are no premium tiers or credit card requirements.
moneymood uses CDR compliant infrastructure powered by Basiq to securely connect to your financial institutions. Your bank login credentials are never stored by moneymood. All connections are read only, meaning moneymood can never move or access your money.
Your data is protected with bank grade encryption (AES 256) at rest and in transit (TLS 1.2+). moneymood is built on a privacy first foundation. You maintain full control of your data and can revoke access or delete your account at any time.
No. moneymood provides financial intelligence and insights based on your data. It does not provide personal financial advice. moneymood does not hold an Australian Financial Services Licence (AFSL). For personal financial advice, please consult a licensed financial adviser.
Yes. Employers, schools, associations and community groups can offer moneymood to their members at no cost. Visit our For Organisations page to learn more about how it works.
You can still use moneymood by manually entering your financial details or importing bank statements. CDR bank connections are optional but provide the most complete and up to date financial picture.
Financial clarity for your organisation
Every feature. Completely free. Get in touch to learn more.