No transactions yet. Click "+ Add expense" to start tracking.
Forecast & Scenarios
scenario assumptions — adjust to model changes
Blayne weekly pay$1,592
Sophie fortnightly pay$2,672
Interest rate p.a.5.80%
Groceries (monthly)$620
Dining + Uber Eats$277
Alcohol / pub$400
month-by-month forecast —
Mortgage Calculator
How it works: St.George calculates your monthly P&I repayment, then divides by 2 for the fortnightly direct debit. Original loan $658,000 at 5.30% = $3,654/mo ÷ 2 = $1,827/fn. At current rate 5.80%, your correct repayment is $1,923/fn (+$96/fn).
rate sensitivity — drag to model
Interest rate p.a.5.80%
4.00%Orig: 5.30% | Current: 5.80%9.00%
fortnightly repayment
$1,923
+$96 vs original $1,827
monthly equivalent
$3,846
change vs $1,827
+$96/fn
+$192/month
annual interest cost
$37,900
on effective balance
rate sensitivity table
Budget Settings
income
mortgage
budget line items — edit any field inline, changes save automatically
✓ Saved
Add expense
Add budget line item
merchant category rules
When importing transactions, these rules are checked first. If a merchant name contains the pattern, it's assigned that category automatically. Your custom rules take priority over the built-in defaults.
your custom rules
No custom rules yet. Use the 💾 Remember button when reviewing imports.
Add merchant rule
Any transaction containing this text will be matched (case-insensitive)
Import Transactions
Upload a bank statement screenshot or CSV export. AI will read the transactions, categorise them against your budget, and let you review before saving.
🔒 Files are processed in-memory only and discarded immediately after analysis. No screenshots or bank files are ever stored on our servers.
1 — add your statement
📄
Drop file here or click to browse
Screenshots (PNG, JPG), PDFs, or CSV/text exports
Copy your transactions from your banking app, internet banking, or anywhere else and paste them below. Any format works — the AI will figure it out.
✓ 0 characters ready to analyse
tips for best results
Upload — screenshot your bank app transaction list, or export a CSV from internet banking and upload it directly.
Paste — copy transactions from your banking app or internet banking and paste them in. Any format works: the AI reads date, merchant and amount.
What gets imported — AI picks out each debit, maps it to your budget categories, and assigns the owner you selected.
Review before saving — every transaction shows with its suggested category. Change anything before confirming.
Analysing your statement…
2 — review & confirm transactions
Change any category using the dropdowns. Uncheck rows you don't want to import. Shared expenses will be split 50/50.
date
description
category
owner
amount
🆙
Up Bank — automatic sync
Pulls your transactions directly. No screenshots needed.
fetch transactions from Up
how it works
1. Select month and whose account
2. Click Fetch — pulls all settled debits from Up automatically
3. AI categorises each transaction against your budget
4. Review and confirm — same as manual import
✓ Connected to Blayne's Up account (personal + 2UP)
✓ Connected to Sophie's Up account
Savings & Accounts
Track every savings account. Toggle offset to see your true mortgage interest cost.