These days it’s very easy to take control of your finances. Your smartphone could possibly help you, thanks to these budgeting and savings apps that are now available.

According to a recent study by the Australian Bureau of Statistics, Australia’s average household savings ratio is currently at a record low of 4%. There’s no doubt that saving money, tracking expenses and sticking to an allocated budget can be tough. As you can say for just about anything nowadays, there’re numerous budgeting and saving apps. Here are 3 that have caught our attention.


Pocketbook is a free Australian budgeting app that tracks all your expenses to calculate just how much you spend each month. It automatically syncs data from your bank accounts daily and categorises each spend, so it can be a useful tool that shows you exactly where you’re spending your money.

Once you’ve seen a breakdown of where your money goes, you can then set a monthly allowance for each type of spend, be it food, leisure, travel or bills. You can also permit Pocketbook to send you notifications when you’re getting too close to your monthly limits.


MoneyBrilliant is an app that allowing you to collate multiple bank and financial accounts into a single, easy-to-use location. Simply adding bank accounts is free, while there is a chargeable plan that allows you to connect your super, credit cards, investments and loans in addition to all of your assets and liabilities.

By combing all of your accounts into MoneyBrilliant, you can create budgets, categories, transactions and save towards important goals.


TrackMySPEND by ASIC’s MoneySmart is a simple but effective budgeting tool that is much closer to the spreadsheets of old. The app is free and easy to use, and it allows you to record your weekly household budget as well as your work and travel expenses, nominate a spending limit, categorise your purchases and set reminders via text messages, etc.

One downside to TrackMySPEND is that it doesn’t link to your bank account, so you have to input all information manually, which doesn’t suit everyone.


Need help?

Please contact The Quinn Group on (02) 9223 9166 or submit an online enquiry.