Your finances, finally clear.
Import transactions, set category budgets, track subscriptions, and get AI-powered insights — all in one calm, uncluttered place.
See it in action
Monthly budgets
AI insight
Dining up 40% this month
$178 spent — 40% above your 3-month average. Try cooking at home more this week.
Here's your overview, Alex
Income vs Expenses
Recent transactions
Woolworths
Groceries
−$67.50
Today
Netflix
Entertainment
−$22.99
Yesterday
Salary
Income
+$4,200.00
1 Apr
Uber Eats
Food & Drink
−$34.80
31 Mar
AI Insights
Dining spend up 40% this month
You've spent $178 on dining, 40% above your 3-month average. Entertainment is also over budget.
Action: Try cooking at home more often and review your streaming services.
Groceries: well under budget
At $412 vs a $600 budget, you're tracking 31% under with a week left this month.
Action: You're on track to save ~$188 in groceries this month. Keep it up!
3 subscriptions in the same category
Netflix, Stan, and Disney+ all appear in Entertainment. Combined: $54/mo.
Action: Consider whether you use all three equally, or if one can be paused.
Smart transaction import
Upload a CSV from any bank and your transactions are automatically categorised. Correct anything with a single click — groove.money learns your preferences over time.
Budgets with live progress
Learn more →Set a monthly spending limit per category. Colour-coded progress bars show exactly where you stand — and warn you before you go over.
Subscription radar
Learn more →Every recurring charge, grouped by merchant and ranked by total spend. Nothing hides in plain sight.
Spending insights
Visual breakdowns of income and expenses by category, month over month. Drill into any category to see the transactions behind the numbers.
AI-powered analysis
Weekly AI summaries land automatically every Sunday. Ask plain-English questions about your finances and get answers grounded in your actual data.
Multiple accounts, one view
Connect as many bank accounts as you need — with custom names and currencies. Everything in one place, nothing falling through the cracks.
No credit card needed.