Track your household's money without connecting a bank.
What you own, what you owe, what comes in and what goes out. You type the figures, so there is no bank login to hand over and nothing is fetched. Australian, and free.
Start in your browser No install, no bank connection to authorise.
Your passive income
each fortnight
34% of total expenses, rounded down
Coverage — lowest cost first
- Power and gas $143
- Eating out $180
- Fuel and servicing $210
$165 more each fortnight covers fuel and servicing.
Your own expenses, lowest cost first, marked as your passive income reaches them. The figure leads with what you have built rather than what you are short.
Three ways people use it
You choose what your screens lead with when you sign up, and you can change it whenever you like. Two people sharing a household each get their own — the figures are the same, the order is not.
A property portfolio
Equity, available equity, what each place earns against what it costs, and how much of a repayment is interest.
For property investors →
Passive income
How much of your spending is already covered by income that arrives whether or not you work, and which bill is next.
How coverage works →
Budgeting
What you save each fortnight, your biggest bills largest first, and where the rest of it goes.
For budgeting →
How it works
- 01
Record what you have
Assets, liabilities, income and expenses. Entered once and updated when something changes — not every time you buy milk.
- 02
See your position
Net position and cashflow, in figures you can check. Every total states what it includes and what it has left out.
- 03
Track your coverage
One figure leads: what your investments pay you, and which of your expenses that already covers. It names the next one within reach.
What it does not do
Stated up front, because these are the three questions people ask.
- It does not connect to your bank.
- You enter your own figures. There is no bank login to hand over, and nothing is fetched, held or sold.
- It does not tell you what to buy.
- It performs arithmetic on figures you have entered. It is not financial advice and it does not recommend any product.
- It does not round in your favour.
- Coverage is rounded down and shortfalls rounded up. An amount you have not recorded is excluded from totals and reported as excluded, never counted as zero.
Get started
My Portfolio runs in your browser and there are iPhone and Android apps. It is free — every screen, no paywall — and you enter your own figures, so there is no bank connection to authorise.
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One account across all three. Your figures are the same wherever you sign in.