Let’s be honest—budgeting sounds boring… until you realise it’s the secret to guilt-free spending and saving for stuff you actually care about.
If you’ve ever wondered where your money goes or struggled to stick to a budget, these apps and tools can make a huge difference. I’ve tried a bunch over the years, and these are my personal faves that are actually worth the download.
✨ Some of the links below are affiliate or referral links. If you sign up through them, I may earn a small bonus—at no extra cost to you. Thanks for supporting the blog! 💛
💵 1. WeMoney – Budgeting + Credit Score in One
WeMoney is perfect if you want a more “big picture” money overview. You can link your accounts, track spending, and even check your credit score for free. Plus, it has a community feature for tips and motivation!
💡 N’s Tip: Set up your budget and debt tracking inside the app—it gives you little boosts as you make progress.
Why I love it:
- Tracks spending + credit score
- Helps monitor debts and financial health
- Friendly Aussie-based app
🔗 Try WeMoney here (Use code: LYWR5881 to get $5!)
📊 2. Frollo – Aussie Budgeting & Goal Tracking App
Frollo is one of the most popular budgeting apps in Australia, and for good reason. It links with most Aussie banks, tracks your spending, sets budgets, and helps you stay on top of your financial goals.
💡 N’s Tip: I love using the “insights” tab to see where my money’s going each month—it’s always more Uber Eats than I expect 😅
Why I love it:
- Free and easy to use
- Great for setting saving goals
- Connects to most Aussie banks
🧮 3. MoneySmart Budget Planner – Free Government Tool
If you’re not into apps, this one’s for you. The MoneySmart Budget Planner is a free tool from the Australian Government that helps you build a clear budget and savings plan.
💡 N’s Tip: Print it out or keep a digital copy you update monthly—great for anyone who prefers spreadsheets over apps.
Why I love it:
- Completely free
- No login needed
- Super clear categories
✅ Final Thoughts
Budgeting isn’t one-size-fits-all. What matters is finding a tool that fits you. Whether you’re a spreadsheet queen, a tracker app person, or just want something simple and free—there’s something here for everyone.
Start with just one app and try it for a couple of weeks. Once you find your groove, budgeting actually starts to feel… fun? (Weird but true.)
📲 Got a fave budgeting app I missed? Or want a deeper dive on how I use these day-to-day? Let me know!
See you in the next post,
— N
🪙 N’s Money Corner | Aussie Money Tips
