The seven budget and savings apps every Aussie needs

By Tom Watson ·

Imagine a budgeting tool so good that it fits snuggly in your front pocket. That’s right, the calculator is a wonderful device, but in case you’d like something that offers a bit more when it comes to helping you budget, track your expenses or even save money you might be in need of a budgeting app. 

After all, given the emergence of neobanks, mobile payments, online banks and other fintechs that let you manage your finances and even pay from your smartphone, adding a budgeting app to the mix just makes sense. To help you get started, here’s a list of the best budget and savings apps for your smartphone in Australia.

1. MoneyBrilliant

MoneyBrilliant has got your back when it comes to all things budgeting and managing your personal finances. The app connects to more banks than any other apps of its kind and comes with a free version that outdoes many of its paid competitors.

With MoneyBrilliant, you can connect bank accounts, credit cards, loans, superannuation and more. The app really covers all your bases because, along with many of its other impressive features, you are able to use Insurance Tracking and Bill Watch for things like electricity and gas bills.


  • Budgeting tool that’s automatically based on your previous spending
  • Transaction categorisation, so you know exactly where your money is going
  • Automated record of your possible occupation-specific tax deductions
  • Create Money Priorities to personalise what’s financially important for you

Cost: The Basic MoneyBrilliant Plan is free and includes a wide range of features, but for even more features, the Premium Plan is $9.90 per month.

Available through: Apple App and Google Play stores

2. Pocketbook

Meet the crème de la crème of budgeting apps: Pocketbook. Like many budgeting apps, Pocketbook comes with all the bells and whistles, but what really sets this nifty little app apart from its competitors is its automatic syncing feature.

With Pocketbook, instead of having to manually enter your expenses into the app, Pocketbook syncs with your bank account to give you a complete view of your spending, and I mean complete.

Pocketbook describes itself as the personal assistant for your money, and that’s exactly what it does – categorising your transactions and giving you a full breakdown of your spending so you can find the places to trim and save for your budget!


  • Automatically categorises the majority of your transactions.
  • Integrates your bank accounts, credit cards and loans.
  • Comprehensive FAQ for beginners.
  • Encrypts all of your information for security.

Cost: Free

Available through: Apple App and Google Play stores

3. Spendee

Spendee is an innovative budgeting app that can be used whenever and wherever you need it. It syncs all your bank accounts so that you can track them all in one easy-to-navigate place.

You can also use Spendee all over the world as is operates in multiple currencies for people who need to switch between them at the touch of a button.


  • Shared wallets for couples, families or roommates with shared expenses
  • Categorises spending and even adds pictures and location
  • Easy to understand graphic that tracks your account balance
  • Puts all your transactions, from various bank accounts, in one place

Cost: Spendee Basic is free, but the Plus and Premium packages come with yearly fees.

Available through: Apple App and Google Play stores

4. Moneytree

While they can’t literally make money grow on trees, savings app Moneytree can help make your money management strategy more fruitful. It combines every branch of finance from banks accounts to digital money, and collects, analyses and displays your financial data from a wide range of institutions and services.

Moneytree also accesses all your loyalty points, like Frequent Flyer or MYER one, to keep you up to date on how many points you have, when you can use them and alert you if they are about to expire.


  • Links your bank accounts, credit and debit cards, digital money and cash spending
  • Analyses every detail of your spending down to the specific time, date and place
  • Work expenses tracker that can be exported into a spreadsheet
  • Colourful and easy to understand graphs that track your financial situation

Cost: Free

Available through: Apple App and Google Play stores

5. Pocketsmith

PocketSmith is a super-savvy budgeting and savings tool designed to help users simplify and strengthen their relationship with money. PocketSmith automatically imports your bank transactions to give you a live banking feed via their mobile and desktop apps.

This top-notch little app gives you access to loads of useful reports, plus, an easy-to-navigate dashboard to give you a clear and comprehensive summary of your financial activity.

On top of all this, PocketSmith offers a range of other fab features, like digital and cash spending projections, calendars and a choice of either daily, weekly or monthly flexible budgeting options to suit your lifestyle and financial needs.


  • Automatically imports your transactions to give you a live bank feed via the app
  • Categorise and track your spending by adding personalised labels and notes
  • Multi-currency tracking lets you track overseas accounts & assets using automated conversion based on daily rates
  • Activity dashboard + access to reports on your net worth, income and expenses and cash flow statements,
  • Connect your Xero account to simplify submitting your expenses

Cost: PocketSmith offers a value-packed free Basic Plan. But, if you’re after extra features, they also offer a Premium Plan for $10.95 per month (or $8.25 when paid annually) and a Super Plan for $21.95 per month ($15.58 when paid annually).

Available through: Apple App and Google Play stores

6. WiseList App

Unlike most budgeting apps, WiseList is a two-in-one grocery list and bill management app. So you can kill two birds with one stone by tracking your spending and saving money on your grocery shopping all from the one app.

The secret to saving the most money is all in the planning, and it just so happens that WiseList offers a range of features to help you score more bang for your buck on your grocery shopping, like the ability to compare product prices and create collaborative grocery lists with your family. 

WiseList also lets you add your Flybuys and Woolworths Rewards cards to the app and even sends notifications to alert you when your favourite products are on special.

Additionally, this overall money-management beast lets you take photos of your bills, automatically pulls out the most important information (like the bill due date) and then alerts you when your bills are due.


  • Create and share collaborative grocery lists with your family with price comparison capabilities in Australia
  • Get notifications when your favourite products are on special by adding them to your watch list
  • Take a photo of your bill and the app will automatically pull important details and even send you notifications when your bills are due

Cost: Free

Available through: Apple App and Google Play stores

7. ATO

The Australian Taxation Office’s all-inclusive app is a great tool for, wait for it, all things tax-related. Anyone can use it for lodging and tracking their tax return, while the handy expense and deduction tracker is a great tool for employees and business owners on the go.


  • Use the app to lodge and track your tax return.
  • Record and track your deductions such as car trips and other expenses.
  • Access a number of ATO tools and calculators.
  • Upload data easily from the app to the ATO.

Cost: Free

Available through: Apple App and Google Play stores

Loads of different banks (especially new online banks!) offer super useful budgeting tools in-built in their mobile banking apps - So don’t forget to check out your bank’s mobile app to see what they have to offer and make use of it!

For more articles and guides on all things fintech, head over to Mozo fintech hub.

Tom Watson
Finance journalist

Tom Watson is a financial journalist at Mozo, specialising in fintech, property and business banking. Whether it’s reporting on banking trends or uncovering the latest product innovations, Tom’s mission is to keep our readers up to date with breaking Australian financial news. His work is often sourced in the media and across social media channels. Tom has a degree in Journalism from the University of Technology, Sydney.