A simpler YNAB alternative for Australians.
All the budget discipline of YNAB without the learning curve — and built for Australian banks, not US ones.
Works with Australian banks
CSV import from any Australian bank. No open banking or US bank connections required.
Category budgets without envelopes
Set monthly limits per category. No zero-based setup, no envelope system to learn — just limits and live progress.
Subscription tracking
Every recurring charge surfaced automatically. YNAB doesn't have this — Groove does.
AI insights included
Weekly summaries and Q&A about your spending. No add-on required.
Multi-currency support
Add accounts in different currencies. Everything displayed in your home currency.
Why Groove
The problem
YNAB is powerful, but it requires significant upfront work: learning zero-based budgeting, connecting your bank (harder with Australian banks), and setting up every envelope before you can see anything useful.
How it works
Groove gives you live category budgets without the system. Import your transactions, set a monthly limit per category, and you immediately see where you're on track. No envelope method to learn, no bank connection required.
Common questions