Most people have no idea — and the not-knowing is the worst part. Take the free five-minute check and get an honest answer: here's where you're at, and here's what to sort out first. No sign-up, no bank logins, no lectures, no ads.
The first honest look most people ever get at their money.
No sign-up, no email, nothing stored. Answer honestly — nobody's watching.
Nine plain-English questions. No jargon, no maths homework, no judgement.
A score out of 100 across five areas, a couple of Australian benchmarks, and your three next steps.
It's educational, not financial advice — and it doesn't cost a cent.
No sign-up to start. Just an honest look at where you're at.
Nine plain-English questions, about five minutes. No sign-up, completely anonymous. Just answer honestly.
A score out of 100 across five areas: cash flow, safety net, debt, future wealth, and protection. Plus the three things to work on first, in plain English.
If you want to act on it, create a free account. Track your spending, debt, super and investments in one place, and check in whenever you want. No bank linking, ever.
Spending, investments, debt and retirement income — one place, no bank linking, always yours.
Stop wondering where your money goes. Give every dollar a job before it disappears — needs, wants and savings, decided by you. It's not about restriction. It's about finally knowing.
See if your super is actually on track. Most people have no idea. Put your super and investments in one place, benchmark against ASFA figures for your age, and get a straight answer.
Know your exact debt-free date. See what your mortgage, car loan and credit cards are really costing you — and what an extra $50 a fortnight would change.
Know if you can afford to stop working. Model your retirement income against Australian ASFA standards and find out — while there's still time to do something about it.
Complete financial picture with assets, liabilities and net worth growth tracking.
There are other tools out there. Here's an honest look at how they differ.
| Feature | MoneyFitApp $59 AUD/yr | YNAB ~$150 AUD/yr | PocketSmith ~$120 AUD/yr | Spreadsheet Free |
|---|---|---|---|---|
| Free Financial Fitness Check (no sign-up) | ✓ | ✗ | ✗ | ✗ |
| Australian-focused | ✓ | ✗ | Partial | ✗ |
| Budget + Investments + Loans + Retirement | All 4 ✓ | Budget only | Partial | Manual |
| No bank linking required | ✓ | ✓ | Required | ✓ |
| Privacy-first, no ads | ✓ | ✓ | ✓ | ✓ |
| Financial freedom progress monitoring | ✓ | ✗ | ✗ | ✗ |
Premium is $59 AUD/yr with a 14-day free trial. The Spending Allocator is free.
MoneyFitApp exists because knowing where you stand shouldn't require a financial adviser — or a spreadsheet habit.
I read the books and knew the principles. What I couldn't find was a straight answer to the simplest question: "Where do I actually stand — and am I actually making progress?"
MoneyFitApp is that place. Not a budgeting app. Not a lecture. An honest look at where you're at, and the tools to do something about it.
Stored securely in AWS, never shared with third parties, no advertising networks. Your financial information is yours alone.
You enter your numbers manually. No open banking permissions, no read access to your accounts. Complete privacy by design.
Retirement projections are benchmarked against ASFA comfortable and modest retirement standards — the Australian benchmark that actually matters.
Start with the free check. If you want to go further, the tools are here.
If $59 a year is genuinely out of reach right now, email us and we'll sort it out. No questions asked.
A year from now, you'll either know — or still be wondering.