Your AI Financial Brain
moneymood analyses your finances, detects patterns in your spending, models your financial trajectory, and gives you the intelligence you need to make smarter money decisions. The kind of financial clarity that used to cost thousands, now available to every Australian.
Most Australians are flying blind with their money
Your finances are scattered across bank apps, super portals, mortgage dashboards, and spreadsheets. You know the big picture matters, but piecing it together takes hours. Meanwhile, important patterns go unnoticed, savings opportunities are missed, and financial decisions are made on gut feel instead of data.
moneymood changes that. It brings everything together, analyses it automatically, and gives you clear, actionable intelligence about your money.
Financial intelligence, not just financial tracking
Most finance apps show you what happened. moneymood shows you what it means and what to do about it.
Net Worth Tracking
See your total net worth across all accounts, property, super, and investments. Track growth over time and understand what is driving changes.
Financial Trajectory
moneymood models your financial future year by year, projecting your net worth, mortgage payoff, super balance, and investment growth to retirement.
AI Financial Insights
moneymood analyses over 30 dimensions of your financial life to surface insights, spot opportunities, and highlight risks you might have missed.
Behaviour Analysis
Understand your spending personality, recurring habits, seasonal patterns, and income consistency. See how your financial behaviour is trending.
Goal Tracking
Set savings goals and track progress automatically. moneymood links your goals to your accounts and tells you if you are on track, ahead, or behind.
Scenario Modelling
What if you paid an extra $200 on your mortgage? Increased your super contributions? moneymood simulates different scenarios so you can compare outcomes.
Your finances, understood
moneymood does not just organise your data. It thinks about it. The AI engine analyses your complete financial picture across income, spending, assets, debts, goals, and behaviour to give you insights that are specific to your situation.
It knows your spending patterns, your recurring commitments, your progress towards goals, and your financial trajectory. When something changes or an opportunity arises, you will know about it.
Up and running in minutes
No complex setup. No manual data entry required. Just clear financial intelligence, fast.
Create your free account
Get in touch with our team to set up moneymood for your organisation. Free to use.
Connect or enter your finances
Link bank accounts via CDR, import statements, or enter your financial details manually.
moneymood analyses everything
The AI engine analyses your financial picture across 30+ dimensions and generates insights.
Make smarter decisions
Use projections, scenarios, and AI insights to improve your financial future.
Know if you are paying too much
moneymood benchmarks your insurance costs against national averages and highlights where you might be overpaying. For home, car, and travel insurance, moneymood shows you potential savings and points you to where you can compare quotes.
Built on Trusted Financial Infrastructure
moneymood combines secure financial data infrastructure with optional financial support services to help members better understand, manage and improve their financial position.
Secure Financial Data Connections
Secure financial data connections powered by Basiq and Australia's Consumer Data Right (CDR) framework.
Optional Financial Support Services
Members may also access optional financial services designed to help improve their financial position.
All services are optional and designed to support better financial outcomes. moneymood does not promote products unless they provide genuine member benefit.
Offer moneymood to your people at no cost
Employers, schools and communities can give their members access to a private financial intelligence platform designed to reduce financial stress and improve financial decision making. Free for your organisation to offer. Free for your people to use.
Your financial future starts here
Offer moneymood to your people at no cost. Powerful financial intelligence for every Australian.