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Budget Direct Money Manager

Free and exclusive to Budget Direct customers, Money Manager is a personal finance app that helps you track your income and expenses.

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Budget Tracking
Bank Connections
Bank Integration

Powerful features

Track spending
Create budgets
Manage bills
Set goals

Track spending

Money Manager automatically categorises your spending (e.g. groceries, petrol, medical) and calculates how much you spend in each category in a week, fortnight, month or other time period. You can see where your money’s going and what you might have to cut back on.

Create budgets

Once you’ve got an idea of where your money goes, you can set limits for each spending category; these limits can be weekly, fortnightly, monthly or another time period. You can then allow the app to warn you if you’re at risk of exceeding them, helping you stick to your budget.

Manage bills

Money Manager can notify you of upcoming bills, so you remember to pay them on time and avoid any late fees. It matches future payments so you can keep track of all the bills you’ve paid (or missed).

Set goals

Saving for the latest tech gear, a new car or your first home? Trying to pay off a debt (e.g. a maxed-out credit card)? Money Manager enables you to set financial goals and see your progress towards achieving them.


The information about your transactions and balances is read-only data — no one (not even you) can move money in or out of your accounts using Money Manager. You can also prevent people with access to your phone from prying by setting up a passcode and/or fingerprint identification within the app.


Money Manager provides bank-level security for your financial information, including 256-bit SSL encryption and 24/7/365 physical security.

Latest product releases

Find out what new features have been added to Money Manager, and what’s been improved or fixed.

Other features

Editable dashboard

Arrange the overview of your finances the way you want it.

Transaction categorisation

Automatic categorisation of transactions, plus the ability to manually recategorise (even if the transaction is still pending). 

Flexible budgeting timeframes

Different budgeting timeframes for different expenses (e.g. a weekly budget for fuel, a quarterly one for eating out). 

Visual aids

Simple and easy-to-understand graphs and charts to help you visualise your financial status. 

Spending insights

Receive insights into your spending patterns, which will alert you to any adjustments you need to make. 

Cash purchases

Ability to manually divide ATM cash withdrawals across different spending categories.

What our customers are saying

“This app is incredible and a must-have. You do need an active policy with Budget Direct but their policies are pretty good — you should have one with them anyway . We are in love with this app and use it all of the time. Can’t wait for future updates and hope it is here to stay for a very long time.”

Jake D. — Google Play Store

“Well made, easy to use, and can link to major banks. Pleasant dashboard with handy graphs. Absolutely love the bills and budget features. Nice to see the ‘tick’ when a bill is paid!”

Patrick H. — Google Play Store

“I have downloaded over 10+ money managing apps and none of them ticked the boxes like this app has. It’s so simple and easy to work with.”

Sharanne A. — Apple App Store

“I just downloaded it today but [am] so happy to have an Australian app with banks that link properly. Will comment after I use it for a month. It may even replace my 10-tab spreadsheet that I use.”

Sabrina P. — Google Play Store

“Great way to aggregate all your banking and credit cards, track spending and savings.”

Alan R. — Google Play Store

“Great app, love it…Thanks Budget Direct for giving it for free.”

Potta S. — Google Play Store

Frequently asked questions

Who can use Money Manager?

Anyone who holds at least one eligible policy with Budget Direct — car, home, contents and/or travel insurance — can use Money Manager.

My Budget Direct insurance policy is in joint names — can the other person also use Money Manager?

No — at this stage, only the primary policyholder can set up a Money Manager account.

I’m a Budget Direct customer — why am I having trouble signing up to Money Manager?

If you’re having trouble signing up to Money Manager, please confirm you’ve met all of the following requirements:

  • the email address and date of birth you’ve used to sign up match the ones in your policy. Can’t remember your policy details? Contact us
  • you’ve registered your email address with Budget Direct. Haven’t registered yet? Contact us
  • you purchased your first-ever Budget Direct policy at least 48 hours ago (the time we need to process your details so you can sign up to Money Manager)
  • you are the primary policyholder.

If you’ve met all these requirements and you’re still having trouble, please contact us.

I’ve forgotten my password to sign in — now what?

You can reset your password here.

Why do I need to give you my financial account login details?

We ask for your login details so we can connect your online financial accounts to Money Manager.

For you to track your spending, create a budget, manage your bills and set financial goals using Money Manager, it must be connected to your accounts.

In other words, for Money Manager to work the way you want it to, you’ll need to provide us with your online user ID and password credentials for each financial institution you have an account with.

(This applies to all personal finance management apps, no matter who the provider is.)

As is the case with all your financial information, your login details are protected by various forms of encryption and security.

How secure is Budget Direct Money Manager?

Money Manager provides bank-level security for your financial information, including 256-bit SSL encryption and 24/7/365 physical security.

Can I use Money Manager to make financial transactions (e.g. pay bills)?

No — while Money Manager can track your income and expenses, it does not allow you (or anyone else) to pay bills, make withdrawals or transfer money.

If I have a question or technical problem, who do I contact for help or support?

If you’re having trouble using Money Manager, please follow these steps:

  1. Sign in to your account.
  2. Select ‘Help & Support’ from the menu.
  3. Select ‘Email Us’.

If you have a general question about Money Manager, please contact us or email [email protected].

How do I delete my Money Manager account?

To delete your Money Manager account, please follow these steps:

  1. Sign in to your account.
  2. Select ‘Settings’ from the menu.
  3. Select ‘Profile’.
  4. Select ‘Delete User’.
What happens if I leave Budget Direct?

Money Manager is available only to Budget Direct customers with one or more eligible policies (car, home, contents and/or travel insurance).

If you cancel all of your policies, your Money Manager account will be deleted 30 days later.

My travel policy has expired — can I still use Money Manager?

Yes — you can sign up for a Money Manager account up to 12 months after your Budget Direct travel insurance policy expires.

After 12 months, you’ll need to purchase an additional eligible policy (car, home, contents and/or travel insurance) to retain your Money Manager account.

Terms of use