Track Income & Expenses with Where Does My Money Go

Looking for some help with your Personal Finances?

True freedom is financial freedom

Ever wondered how some people seem to do more with their money, even on similar incomes?

It’s rarely about earning more or budgeting harder. It’s about having financial clarity.

This website helps you manage your personal finances more effectively, improving your ability to take advantage of the opportunities life presents.

The Hardest Part of Managing Your Money is Dealing with the Lack of Clarity

A woman sitting on sofa at home, holding phone and credit card.

Most people aren’t bad with money, they’re just missing clarity.

You earn money, yet it can still feel like it disappears.

You check your balance, you scroll through transactions, and somehow, you still can’t clearly answer: "Where does my money go?"

When you don’t know the answer, it creates a quiet, ongoing stress. A constant background tension that’s hard to switch off.

The stress doesn’t come from money itself, the stress comes from not knowing where you stand.

If this feels familiar, you’re not alone

What a “Lack of Clarity” Looks Like

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You earn enough, but saving still feels harder than it should.

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Small expenses pile up quietly in the background.

Stop spinning and take control of your finances.
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Not knowing your financial position creates constant low level stress.

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You hesitate on big decisions because you’re never quite sure what’s affordable.

Clarity in Just Three Simple Steps

Where Does My Money Go turns raw bank transactions into a clear cash-flow view. You can see what comes in, what goes out, where it actually goes, and where you’re heading next. No budgeting guilt. No rigid rules. Just clarity.

Most people generate thousands of transactions every year. That's far too many to make sense of by scrolling through a bank app.

a man holding a long list of transactions trying to figure out where does my money go

Upload a File of Your Transactions

Upload a file of your transactions.

Your bank transactions are the most accurate record of your income and expenditure. We help you turn it into insight.

A man sat in front of his computer realising that he can process his long list of transactions using where does my money go

Create a Cash Flow Table of Your Income and Expenses

Create your cash flow table to make sense to you, not a generic template.

a man tending to his finances like a gardener

Track Against Plans

See patterns, spot leaks, and understand how decisions shape your future.

Clarity Enables Control

Once everything is visible, progress gets easier.

Stop Wasting Money

Build your cash-flow table and see exactly where your money is going. Patterns become obvious. Small leaks stand out.

Subscriptions, habits, and forgotten expenses become clearly visible.

You can’t improve what you can’t see.

A cash flow table showing categories and subcategories

Make Better Use of Your Money

A clear cash-flow view turns information into insight. Instead of looking at expenses in isolation, you start seeing how decisions connect, and how one change can unlock multiple benefits.

Ask yourself better questions:

  • If I bought a bike and rode to work, could I cut commuting costs and cancel my gym membership?
  • Would higher rent closer to work reduce my commuting costs sufficiently?
  • Would one less coffee a day pay for a weekend away?
This isn’t all about spending less. It’s about spending smarter, with intention, and making your money work harder for the life you want.

A cash flow table showing categories and subcategories

Make Confident Decisions About Your Future

Add multiple cash-flow forecasts to explore your options before you commit. See how different decisions shape your future. Compare paths. Test ideas.

It’s the difference between wondering “can I afford this?” and being able to plan with confidence. Whether that’s starting a business, planning a wedding, moving house, or simply making everyday choices without second-guessing yourself.

Track your progress over time and adjust as life changes.

No guesswork. No surprises.

Sign Up and Get Started

For the price of a cup of coffee a month and your willingness to take charge of your finances we can help you. Let’s build a good habit that lasts a lifetime.

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  • 28 Days Evaluation
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Monthly

AUD$5

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  • Data is NOT deleted
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Annual

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Customer Testimonials

Read what some of our users have to say.

Really good, particularly like the way I can create my own catergories.

customer reviews

Lucy

Bunching up all my income and costs into one category helped with my tax return. Really liked the interactive rules creation, great the way is searches through transactions as I type.

customer reviews

Grant

Easy to use, eye opening.

customer reviews

James

Took me a while to get the hang of it, useful. The online chat was useful, thanks.

customer reviews

Emily

Different and sooo much better than the crappy budget tracker I was using before.

customer reviews

Luke

I learnt a lot, it's good.

customer reviews

Gemma

Helps keep track of my influencing earnings.

customer reviews

Gale

Take Control of Your Finances Today

Do you know what happens when you do nothing?

"Nothing".

Experience a transformative approach to managing your finances with "Where Does My Money Go".

Free trial, no credit card required.

Businessman hand with coins and sprout in network connection. Plant growing on pile of coins money. Money growth concept.

Control Your Finances and Choose Your Life

Managing your money gives you more room to say yes, with less stress and more freedom. More space to spend your time, energy, and attention on the things that truly matter. Go places that stretch your comfort zone. Learn new skills, chase new passions, and throw yourself into experiences that make you feel alive.

When your finances are clear, those moments feel closer, more possible, less out of reach. Money isn’t the point. It’s the support that helps you live fully.