KalaWorth follows your cash, not a P&L. It starts from the money already in your accounts and helps you give every dollar a purpose for the months ahead — so rego, insurance and Christmas are funded before they’re due, and one glance tells you how long every category will last.
No bank connection needed — enter accounts by hand or upload a CSV. Bank feeds are on the way, through the government’s Consumer Data Right: read-only, credentials never stored, and KalaWorth can never move your money.
Your KalaWorth budget is a forward plan — a forecast that helps you decide how to share your cash across categories in the months ahead. Here’s the part that makes it work: your plan never turns into pretend money. What you can actually spend is always driven by the real cash in your accounts, never by the forecast. So you get the foresight of planning ahead, without ever fooling yourself into spending money that isn’t there.
Allocate cash to your categories across the months to come, so the big stuff is handled before it arrives. The whole philosophy: decide where money goes before you spend it, never scramble after.
The budget forecasts how you’d like to share money out. Your spendable balance is always the cash you actually hold. The plan can be ambitious — what’s available to spend never lies.
Monthly, yearly, year-to-date, last 6 or last 12 months — dashboards that show how your cash is really performing, on whatever horizon makes sense to you.
The mechanic is old — envelopes on the kitchen bench. KalaWorth makes it annual, Australian, and impossible to fool yourself with.
Add accounts by hand or upload a CSV from any bank — no connection needed. KalaWorth totals what you actually have, Personal and Shared, in one household picture.
Allocate cash into categories for the months ahead: everyday costs, annual bills, goals, fun. You’re deciding before you spend — what’s left is genuinely available.
Transactions land in their categories. A coffee on the card debits Coffee the moment it happens, and paying the card off is a transfer — no double-counting.
Each category shows months of cover at your actual pace. See something running short well before it matters. No guilt, no red marks — just foresight.
Fortnightly pay, joint accounts, tax time in July, rego in March. KalaWorth is designed around the local reality, not a US template with the currency symbol swapped. A few pieces are still being built — they’re marked, so you always know what you’re signing up for.
Plan the months ahead against a full annual view, and set your financial year to start whenever suits you — 1 July by default for AU, but yours to change. Irregular expenses stop being surprises because the year already planned for them.
The signature gauge: how many months does each category’s available cash last at your current pace? You set your target months of cover in Settings — turquoise when it meets that target, coral when it needs attention. Never red, never a siren.
See how your cash is really performing across monthly, yearly, year-to-date, last 6 months and last 12 months — charts that make the numbers make sense at a glance, not a wall of rows to decode.
Build the category structure that fits your life — everyday, annual, goals, projects — with subcategories where you want them and none where you don’t. Reshape it any time; nothing is locked in.
Tag accounts and categories Personal or Shared and see the household in one view — Combined, Personal only, or Shared only. Managing money together, not dividing it: no 50/50 splits, no scorekeeping.
Tag a category or a single transaction as deductible while you budget — it takes one tap. Come July, export a clean list for your accountant. A record-keeping tool, not tax advice.
Snap a photo receipt onto any transaction, stored securely for the five years the ATO expects, and bundled straight into your tax export — no shoebox, no separate collating step.
One-off budgets and savings goals with a target — the trip, the reno, Christmas, the emergency fund. Their ring shows how far you are from the target, not runway. Track who paid on group trips, and close them out with a summary.
Commit part of every pay automatically — 10% to investing, $50 to the holiday — before the rest lands as available to spend. Set once, runs every payday, overridable any time.
Every time business income lands, KalaWorth can automatically put a set % or fixed amount aside for GST, PAYG, your super, and your own leave — before the rest is yours. No real money moves; it’s your budget setting it aside, honestly, in view.
Export a statement from your bank’s website and drop it in. Every Australian bank formats its export differently, so KalaWorth maps the columns once and remembers your bank’s layout next time.
Credit cards, loans, mortgage, super, investments and even gift cards alongside your cash — assets minus liabilities, trended over time with the same flexible views.
Automatic transaction sync via the Consumer Data Right — the government’s Open Banking framework. Consent-based, revocable any time, read-only by law. In build now; today you import a CSV or enter transactions by hand.
KalaWorth will learn to categorise your spending automatically, with your own rules to sort transactions by description. The upkeep that kills every other budget app just… stops being upkeep.
“How much can I safely invest right now?” “Am I on track for rego?” Ask in plain English and get an answer from your own numbers — insight into your cash and where an allocation could work harder. Insight, never advice.
You’re not bad with money. The tools just start in the wrong place — a report of the past instead of the cash in front of you. Here’s what that feels like, and what KalaWorth does instead.
…then the council rates bill landed. Your bank balance counts money that’s already spoken for. KalaWorth shows available to spend — real cash minus everything you’ve given a purpose — so the rates were already set aside.
Without a clear view of what’s truly free, “spare” money gets invested and then clawed back at the worst time. KalaWorth separates what’s funded from what’s genuinely spare, after every buffer and bill.
A savings account for irregular bills makes every withdrawal feel like failing a target — and some banks even dock your interest for it. KalaWorth lets you put cash where it belongs, so spending a funded category is the plan working, not a slip-up.
Bank apps only see their own accounts. Upload a CSV from each — or add them by hand — so there’s finally one place that shows the whole flow, in and out.
No cash set aside for GST, PAYG, your super, leave, or a business buffer — until it bites. KalaWorth auto-allocates a slice of every income deposit to each, the moment it lands.
The reason budgets get abandoned. Flexible CSV import and remembered bank layouts keep it quick today; automatic categorisation is in build.
Trackers tell you what happened. Forecasters guess what will happen. KalaWorth manages what you actually have — planned across the whole Australian year. See the full comparison →
| Trackers (bank apps, free trackers) | Forecasters (spreadsheet-style, calendar apps) | KalaWorth | |
|---|---|---|---|
| What it shows | What you spent, after the fact | What might happen, if guesses hold | What you have, and what it’s for |
| When you find out about a problem | After the money’s gone | When reality drifts off the forecast | Months ahead — the runway is always visible |
| Annual bills (rego, insurance) | A nasty surprise | A line in a projection | Already funded, months in advance |
| Budgeting horizon | Backward-looking | Any, forecast-based | The whole financial year, on a start date you set |
Budgeting the KalaWorth way should never be locked behind a paywall. The free plan is a complete manual experience — no bank connection needed. A paid tier will unlock the automation once it ships.
Manual accounts & CSV upload · annual budgeting · runway ring · dashboards · Personal/Shared · goals & projects · pay-day rules & set-asides · receipts · net worth · tax tagging. No card, no bank, no catch.
Everything in Free, plus native bank feeds (CDR), AI auto-categorisation and “Ask KalaWorth”. Start on the free plan now — your budget, categories and history carry straight over, and export always works.
When bank feeds land they’ll be read-only via the Consumer Data Right — credentials never stored, revocable any time, and KalaWorth can never move your money.