How to budget on any income.
A practical guide to understanding your spending, setting limits you can stick to, and making the most of what you earn — wherever you are in Australia.
Start by seeing what you actually spend
Import two to three months of bank transactions and look at the category breakdown. Most people are surprised by one or two categories they'd underestimated.
Set realistic category limits
Based on your real spending, set monthly limits you can actually hit — not ideal targets that make you feel guilty for being human.
Track month over month
See which categories are improving and which are drifting. Trends are easier to spot than individual transactions.
Get plain-English answers
Ask Groove's AI anything about your spending — it answers from your actual data, not generic assumptions.
Why Groove
The problem
Most budgeting advice assumes a comfortable income and just tells you to be more disciplined. When money is tight, the real challenge isn't discipline — it's visibility. You can't make better decisions without knowing what you're actually spending.
How it works
Groove starts by showing you exactly where your money has been going — automatically categorised from your bank transactions. From there, you can set realistic limits, see which categories are blowing out, and make informed choices about where to adjust.
Common questions
See where your money actually goes — then decide what changes.
Get started for freeNo credit card needed.