New

A clearer way to manage money

Money decisions, made with confidence.

Take serious control of your money and accelerate your financial progress.

Make

progress

daily

and

keep

your

focus

on

what

matters.

Used by motivated people to expand choices in life.

#Adventure

#Invest

#Home Ownership

#Debt Paydown

#Retire

Two-factor authentication
CDR-accredited provider
End-to-end encrypted
SOC 2 compliant

Two-factor authentication
CDR-accredited provider
End-to-end encrypted
SOC 2 compliant

De-identified data
Regulated by Australian law
Permission-based access
Specialist support

De-identified data
Regulated by Australian law
Permission-based access
Specialist support

4.7 rating (based on 33 reviews)

Stay consistent with a system that fits into real life. Simple dashboards, tracked progress, and gentle nudges help you build lasting progress.

Available for iPhone

Available on Android

Think clearly

Act with clarity

A system that keeps your head clear.

Moolah brings clarity to your decision making with clean cards, real progress tracking, and guidance that adapts to your personal endeavours.

Spot spending patterns.

Banking apps aren't there to help you make decisions. Instead, most people just fly blind.

Banking apps aren't made to help you make decisions.

Groceries

Jan

Feb

Mar

Apr

May

Aug

Jun

Jul

Sep

Oct

Nov

Dec

Jan

$657 / $1,500

Feb

Mar

Apr

May

Jun

Jul

Aug

Sept

Oct

Nov

Dec

Groceries

Jan

Feb

Mar

Apr

May

Aug

Jun

Jul

Sep

Oct

Nov

Dec

Jan

$1,198 / $1,500

Feb

Mar

Apr

May

Jun

Jul

Aug

Sept

Oct

Nov

Dec

Home & Utilities
Takeaway & Coffee
Subscriptions
Home Improvement
Transport

Home & Utilities
Takeaway & Coffee
Subscriptions
Home Improvement
Transport

Track cashflow accurately.

Confirm your transactions are categorised correctly so you can make decisions confidently.

Woolworths

Groceries

$137

Fri, Feb 7

Coles

Groceries

Thur, Feb 6

Bakers Delight

Groceries

$24

Thur, Feb 6

Coles

Groceries

$155

Mon, Feb 3

Woolworths

Groceries

$85

Sat, Feb 1

Bakers Delight

Groceries

$11

Sat, Feb 1

Coles

Groceries

+ $4

Sat, Feb 1

Woolworths

Groceries

$137

Fri, Feb 7

Coles

Groceries

Thur, Feb 6

Bakers Delight

Groceries

$24

Thur, Feb 6

Coles

Groceries

$155

Mon, Feb 3

Woolworths

Groceries

$85

Sat, Feb 1

Bakers Delight

Groceries

$11

Sat, Feb 1

Coles

Groceries

+ $4

Sat, Feb 1

Predict goal achievement.

Simulate upcoming saving + allocations toward goals to get realistic timelines.

*Adjust goals and spending patterns to adjust goal predictions.

Predict goal achievement.

Simulate upcoming saving + allocations toward goals to get realistic timelines.

*Adjust goals and spending patterns to alter goal predictions.

Predict goal achievement.

Simulate upcoming saving + allocations toward goals to get realistic timelines.

*Adjust goals and spending patterns to adjust goal predictions.

Monitor overall progress.

A clear snapshot of assets + liabilities with realtime balances — and how it's trending over time.

Bank accounts

$15,729

Income Pool

8:45pm today

$4,455

2 3 4

Essentials

8:45pm today

$9,224

1 4 2

Lifestyle

8:45pm today

$2,050

654

See the bigger picture.

A simple birds eye view of your cashflow that gives you context for making everyday financial decisions.

Jan
$2,259
In
$13,051
$10,792
Out
Feb
2
$527
In
$12,092
$11,565
Out
Mar
10
-$1,065
In
$9,065
$10,130
Out
Apr
2
$1,055
In
$8,560
$7,505
Out
May
$2,025
In
$11,066
$9,041
Out
Jun
-$2,666
In
$8,990
$11,656
Out
Jul
$1,399
In
$9,603
$8,204
Out
Aug
7
-$1,908
In
$9,657
$11,565
Out
Sep
44
$2,885
In
$12,996
$10,111
Out
Oct
2
$3,596
In
$11,652
$8,056
Out
Nov
11
$391
In
$10,321
$9,930
Out
Dec
3
-$1,881
In
$12,785
$14,666
Out

Jan
$2,259
In
$13,051
$10,792
Out
Feb
2
$527
In
$12,092
$11,565
Out
Mar
10
-$1,065
In
$9,065
$10,130
Out
Apr
2
$1,055
In
$8,560
$7,505
Out
May
$2,025
In
$11,066
$9,041
Out
Jun
-$2,666
In
$8,990
$11,656
Out
Jul
$1,399
In
$9,603
$8,204
Out
Aug
7
-$1,908
In
$9,657
$11,565
Out
Sep
44
$2,885
In
$12,996
$10,111
Out
Oct
2
$3,596
In
$11,652
$8,056
Out
Nov
11
$391
In
$10,321
$9,930
Out
Dec
3
-$1,881
In
$12,785
$14,666
Out

Jul
$1,399
In
$9,603
$8,204
Out
Aug
7
-$1,908
In
$9,657
$11,565
Out
Sep
44
$2,885
In
$12,996
$10,111
Out
Oct
2
$3,596
In
$11,652
$8,056
Out
Nov
11
$391
In
$10,321
$9,930
Out
Dec
3
-$1,881
In
$12,785
$14,666
Out

Adapts to you

Built to be versatile

Built for the way you work and earn

Adapts to the way you work and earn.

Salaried Employees

Business Owners

Students

Couples

Track regular income, plan ahead with confidence, and see how today’s decisions shape your future savings.

Salaried Employees

Business Owners

Students

Couples

Track regular income, plan ahead with confidence, and see how today’s decisions shape your future savings.

And for every kind of spender

#online shopper

#charitable giver

#weekend warrior

#active wearer

#crypto buyer

What users are saying about moolah.

Trusted Australia Wide

Ash
-
ACT
"It's not a spreadsheet, and I think that's the best thing about it.. it's just all there."
Heath & Soph
-
QLD
"There was too much guessing before, now it’s all black and white."
Chloe
-
VIC
"The knowledge put into this app is the best out there and it is just so easy to use!"

Ash
-
ACT
"It's not a spreadsheet, and I think that's the best thing about it.. it's just all there."
Heath & Soph
-
QLD
"There was too much guessing before, now it’s all black and white."
Chloe
-
VIC
"The knowledge put into this app is the best out there and it is just so easy to use!"

Real habits, real numbers

Helping humans grow their savings

$32,854,088

Saved by moolah users since inception

00001

01357

Ave increase in monthly saving rate

00001

01357

Ave increase in monthly saving rate

00112

01234

Transactions auto-categorized

00112

01234

Transactions auto-categorized

00123

Average bank connection load time

00123

Average bank connection load time

Deeper insights

AI companion that understands you

The only AI agent that works with you to manage your money, with deep insights and a personal touch.

Free trial available

Pricing that'll protect your hip pocket.

Get a 7 day free trial to Moolah and see if it's also a game-changer for you.

In the trial period, you'll get access to everything.

Compelling goals that direct your efforts

Up to a year of tracking for spending insights

Forecasted saving for the next year or further

Suggested customized banking structure

Pay yearly

Pay monthly

$12.91

/mo

There are no other hidden fees and you will not be advertised products.

Streamlined training program

Secure opan banking data

Powerful app capabilities

On-demand support

Start free trial

Make better financial decisions.

Track your progress, stay organized, and spend with confidence.

Make better financial decisions.

Track your progress, stay organized, and spend with confidence.

Make better financial decisions.

Track your progress, stay organized, and spend with confidence.

Expert team

The team behind you

Ryan Monaghan

Former Financial Advisor

Jeremy Monaghan

Product Engineer

Brook Kennedy

Customer Success

Ejaz UIlah

Developer

Common questions

Frequently asked questions

Do I have to link my bank accounts?

No — linking your bank accounts is optional.

You can use Moolah manually, but connecting your accounts gives you clearer visibility, more accurate tracking, and far better planning. When your data stays up to date, your decisions get easier and your plan stays grounded in what’s actually happening.

Connections are secure, read-only, and fully under your control. You can disconnect at any time.

Do I have to link my bank accounts?

How does Moolah connect to my bank — and is it safe?

What happens if my income or situation changes?

How does billing work?

Is there a free trial?

Do I need to change my banking structure?