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. 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 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.