What goes out, and what is left over

My Portfolio is an Australian budgeting app you fill in yourself. Tap a category, tap the bill, enter the amount. It puts every income line against every bill and shows what is left, each fortnight or each month.

Start in your browser What else it does

It opens straight away. There is no bank connection to authorise and nothing to install.

How do you add a bill without typing its name?

Tap a category. Tap the bill inside it. Enter the amount and how often it comes. There are 144 names across eighteen categories, and they are Australian names rather than translated ones.

• Council Rates
• Strata Fees
• Body Corporate
• Water Rates
• Registration
• Daycare Fees
• After-School Care
• Electricity
• Supermarket Shop
• Vet Bills
• TAFE / Uni Fees
• BAS Payments
• Foxtel
• Tolls
• Income Protection
• Pharmacy / Prescriptions

Tapping a name writes it for you, and the field stays editable if yours goes by something else. Nothing to type but the amount.

The category is never compulsory. A line filed nowhere still counts in every total — it sits under Uncategorised until you decide, and you can leave it there.

Which of your bills are the biggest?

Individual bills, largest first. Not grouped into categories, because grouping is what hides one $400 line among eight $50 ones — a household reading “Home & utilities $612” cannot see that $410 of it is a single bill.

A bill is every expense you have entered, plus the interest on each loan. Loan principal is not counted as a bill: it leaves the account, but it moves into what you own, and the app states that figure separately rather than folding it into your spending.

The list says how many bills there are in total, so five of twenty-four never reads as all of them.

Where does it go?

The same spending by category, as a ring with the period total in the middle. Six categories are named; the rest are collected into one row that says how many it holds.

Each share is rounded down, which is why they come to 96 and not 100. The app rounds against itself everywhere it can: a share down, a surplus down, a shortfall up.

Rent is weekly, power is monthly, the wage is fortnightly

Enter each figure the way it actually arrives — weekly, fortnightly, monthly or yearly. Nothing is converted when you type it, and every line keeps the period you gave it.

Totals read fortnightly or monthly, on a toggle at the top of the screen. Behind it, every line is held as a yearly figure and converted once at the end, so the rounding cannot compound across thirty lines.

What happens to a bill you have not costed yet?

It is left out, and you are told. A blank is never treated as a zero.

Name a bill without a figure and it stays on your list, excluded from the total and counted in a line that says so: “2 bills have no figure yet, so they are not in this breakdown. None have been counted as zero.” Your total is then short by an amount you know about, rather than wrong in a way you cannot see.

While anything is missing, the app does not draw the double rule it puts under a total that reconciles. That mark is how a statement tells you it adds up.

Do both of us see the same figures?

Yes. A household shares one set of records. Whoever enters the daycare fee, you both see the same total, and either of you can fix a line.

What each of you leads with is your own. One person's screens can open on budgeting while the other's open on property or passive income. It is stored per person, chosen when you start, and changeable whenever you like. Nothing is hidden either way — a different lead figure, the same records underneath.

Questions people ask

Does it connect to my bank?

No. There is no bank feed, no Open Banking and no account to link. You enter the figures yourself, so there is no login to hand over and nothing is fetched.

What does it cost?

Nothing. My Portfolio is free. There is no paid plan, no trial and no feature held back.

Can I get my figures back out?

Yes. From More, export four spreadsheets and a JSON file. They contain what you entered, not what the app worked out from it.

One thing it will not do: tell you what to do about any of it. My Portfolio performs arithmetic on figures you entered. It does not give financial advice, it does not say whether a bill is too high, and it does not forecast.

Get started

My Portfolio runs in your browser, and there are iPhone and Android apps. Free, with no bank connection to authorise.

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One account across all three. Your figures are the same wherever you sign in.