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 + Takeaway$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
Car Finance
Track your car loans here. Add a loan to see repayments, total interest, and payoff date. The calculator uses the same amortisation formula as the mortgage page.
⚡ EV vs Petrol — keep or switch?
Compare keeping your current petrol car against switching to an EV. Toggle "I'm trading in" to factor in your Mazda's trade-in value + remaining finance. Toggle "Finance the EV" to roll the cost into a new car loan and compare loan vs loan. NSW stamp duty exemption auto-applied on EVs under $78k. The $3k federal rebate is off by default since most schemes ended in 2024.
⛽ Petrol car
Fuel economy (L/100km)8.5 L
Petrol price ($/L)$1.95
Annual servicing$800
⚡ EV
Energy use (kWh/100km)17 kWh
Electricity ($/kWh)$0.28
Annual servicing$350
Driving & purchase
Annual km driven15,000 km
Petrol car value (reference only)$35,000
New EV purchase price$55,000
✓ NSW stamp duty exemption automatically applied if EV price is under $78,000
Net trade-in = trade-in value − remaining finance. Positive = reduces EV cost; negative (negative equity) = added to EV cost.
Petrol car trade-in value$20,000
Remaining finance on petrol car$0
Current petrol repayment / mo$0/mo
Months left on petrol finance0 mo
The effective EV cost (after trade-in, stamp duty, rebate) becomes the loan principal. Monthly repayment is added to the EV running cost in the chart.
EV loan rate %6.50%
EV loan term (years)5 yr
10-year cumulative cost
Add car loan
Budget Settings
income
mortgage
budget line items — edit any field inline, changes save automatically
Type:
Owner:
✓ 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)
Mark as Fixed if this merchant is already accounted for in your monthly fixed budget
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. No data is ever stored on our servers.
1 — upload a CSV file
Export your statement from St.George internet banking (or any bank) as a CSV, then drop it here. Transactions are auto-categorised using the same merchant rules as the Up Bank sync — completely free, no AI required.
📄
Drop CSV file here or click to browse
Accepts .csv files from St.George, CommBank, NAB, ANZ, etc.
how to export from St.George
1. Log into St.George internet banking
2. Go to your account → Transaction history
3. Select the date range (or the month you want)
4. Click Export → choose CSV
5. Upload the file here
✓ Free — uses rule-based categorisation, no API costs
💡 For Up Bank, use the section below instead — it's automatic
Parsing your CSV…
2 — review & confirm transactions
Change any category, owner, or type using the dropdowns. Mark utility/subscription bills as Fixed so they don't double-up against your Fixed budget. Click 💾 to remember the choice for next time.
date
description
category
owner
type
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.
net worth snapshot
Personal Surplus & Set Aside
How much each person needs to stash per pay period to cover their own fixed & irregular bills — and what's left over to save.
How this works: For each bill with a due date, the required set-aside is (amount − already saved) ÷ days until due × days in period. Bills get more urgent as the due date approaches. Add a due date + amount saved to any non-monthly budget item in Budget Settings to have it show up here.