Australia · AUD
A free expense tracker for Australia that keeps tap-and-go honest
Tap-and-go makes paying in Australia effortless, and effortless spending is the hardest kind to keep track of. Balance gives you a quick way to log it in Australian dollars and see where the money's really going.
It's free with no ads, needs no bank login, and keeps fortnightly pay, bills and instalments in one view.
Free · No ads · 140+ currencies · Android (iOS coming soon)
Built around how Australia pays
- Tap-and-go card and phone payments, logged by scanning the receipt
- PayID transfers logged from the confirmation screenshot or by hand
- Buy-now-pay-later instalments tracked as recurring bills, so they show up before they're due
- Rego, insurance and utilities added as fixed expenses
Make fortnightly pay and monthly bills line up
Most Australians are paid fortnightly but billed monthly or quarterly. Work out your monthly take-home (fortnightly pay × 26 ÷ 12) and budget against that, so quarterly energy bills and annual rego don't come as a surprise.
Balance lets you add those irregular costs as fixed expenses and shows what's safe to spend after they're accounted for.
Your currency, set up for you
Balance sets your home currency from your phone's region the first time you open it, so in Australia amounts appear in Australian dollars (AUD) with the right formatting. If you move or prefer another currency, you can switch to any of 140+ in settings.
What you get, free
- Receipt and payment-screenshot scanning that fills in amount, merchant and date
- Category, merchant and monthly breakdowns
- A monthly budget, fixed expenses and bill reminders
- A subscription tracker for things that renew
- Roast Mode: a witty nudge when you overspend
- Android home-screen widgets and CSV export
Frequently asked questions
Can I track Afterpay or other BNPL payments?
Yes. Add each instalment plan as a recurring bill and Balance reminds you before each payment and counts it in your monthly spending. It doesn't connect to the BNPL provider itself.
Does Balance work with Australian banks?
It doesn't connect to any bank. You scan receipts or add spends yourself, which works with any bank and keeps your login details private.
Is Balance free?
Yes. Balance is free to download and use, with no ads. Everyday tracking — adding expenses, automatic capture, bills and subscriptions, accounts and CSV export — is free, and it isn't a trial that runs out.
Which platforms is Balance available on?
Balance is available on Android today. An iOS version is coming soon. It's a mobile app rather than a web dashboard.
Keep exploring
Start understanding your money with Balance.
Free to download, no ads, no bank login. Get it on Google Play and start tracking in minutes.