Tips and Tools

Welcome to Mozo’s Tips & Tools zone, where we’ll crunch your financial numbers, give you insider tips and bust that banking jargon to get you money savvy. From home loan calculators to budgeting tools, we’ve got you covered.

Handy tools

Calculators

The first hurdle to managing your money is knowing where you're at. Our free calculators afford a clearer picture.

News articles

Neat links

Helpful as we are, you might want to check out some other sites around the place that can help with money matters.

Currency converter
This online currency converter has the latest worldwide currency rates and lets you perform currency conversions in a flash.
XE Universal Currency Converter
Credit report
Get a free copy of your credit report at MyCreditFile and check your credit rating, which is used by lenders to assess your application for loans, credit cards, phone accounts and more.
Check out MyCreditFile
First home owner grant
The Government’s first home owner scheme provides a one off grant of up to $21,000 to eligible first home owners. You can find all the details and even apply online.
First home owner grant
Lost super
Looking for lost super? The ATO’s free online SuperSeeker service looks for your lost super in real time and finds possible matches. You can also do a more extensive lost super search over the phone.
SuperSeeker
Consolidate super
If you want to consolidate your super by transferring it from one fund to another, here’s a link to the ATO’s superannuation portability form which you can download online.
Super portability form
Unclaimed money
ASIC’s free online unclaimed money search tool will help you find money left in old bank accounts, company shares or life policies that you might have forgotten about or didn’t even know you had.
Unclaimed money search
Financial Ombudsman
If you need to make an official complaint against a banking, insurance or investment provider, the Financial Ombudsman is a free and independent dispute resolution service.
Check out the Financial Ombudsman
Switching Bank Accounts
The Government has introduced new measures to make it easier for you to switch banks if you are not satisfied with your current one.
Get switching help
First home saver account calculator
If you're saving for your first home, FIDO's new home saver account calculator and checklist can help you decide if this type of account is for you.
Get first home saving help

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News articles

Jargon Buster

Possibly even more confusing than a bunch of money numbers are the words that purport to explain them.

So if you’ve been charged an inexplicable fee, or have all manner of terms and clauses in a banking contract, let Mozo bust your jargon jam.

News articles

Articles

Our articles have all the info you need to minimise fees, max out your benefits and get your finances sorted.

Credit card articles

Getting the full benefit of low interest rates?

 According to figures by the Reserve Bank of Australia household debt levels and interest payments, on the likes of credit cards, are at their lowest levels since 2009 but are all Australians taking full advantage of the opportunity to reduce their debts and top up their savings?
Read more...
Debit card articles

Debit cards are trending with frugal Aussies

 When it comes to payment methods, debit cards are trending and are soon to be Australia's most popular plastic payment method.
Read more...
Home loan articles

Will ANZ bank's monumental interest rate cut heat up competition?

 The ANZ bank announced a 0.27 percent interest rate cut to its standard variable home loan on Friday 10 May, going over and above the 0.25 percent rate cut announced by the Reserve Bank of Australia (RBA), reports Fairfax Media.
Read more...
Savings account articles

Australians missing out on $4 billion a year in savings interest.

 Australians who 'set and forget' their savings could be missing a combined total of $4 billion a year in their savings accounts.
Read more...
Term deposit articles

The evolution of term deposits.

 With Australians fixated on savings, term deposits no longer as attractive as they once were and new post GFC rules on the banks, Aussies are bearing witness to an evolution in the way they save.
Read more...
Reserve bank articles

Reserve bank to cut rates?

 Aussies could be in for a boost if the Reserve Bank of Australia (RBA) goes ahead with plans to cut the base interest rate next week, as analysts have predicted it will.
Read more...
Interest rate articles

Interest rate cuts 'may not happen this year'

 Many Aussies were bitterly disappointed when the Reserve Bank of Australia (RBA) decided not to lower interest rates earlier this month and it seems unlikely that any reductions will be seen until the new year.
Read more...