Spend smart. Save smarter.
Your bank balance is lying to you — we fix that. Savvy Dollar is a personal finance app that shows you exactly what every dollar is earmarked for, so you always know what's genuinely free to spend, and every goal gets funded without opening a single extra account.
One account. Every goal. Total clarity.
Most people keep everything in one account and lose track — or spread money across five accounts and lose interest. Savvy Dollar gives you a smarter third option.
Connect your account
Link your high-yield savings account, offset account, or everyday transaction account. Savvy Dollar works with what you already have — no new accounts required.
Create your buckets
Give every dollar a job. Name a bucket, set a target, and tell Savvy Dollar how much to allocate. Holiday fund, emergency buffer, annual bills — all in one place.
Know what's really yours
See exactly how much is genuinely free to spend — right now. No more guessing. No more dipping into savings by accident. Just total clarity, all the time.
Every dollar has a job
Buckets are named, purpose-driven groupings that sit across your real bank account. Give each goal its own bucket — and always know exactly what's available to spend vs. saved for something specific.
- Set targets and track progress toward each goal
- Three built-in system buckets: Cash Flow, Credit Card, Investment
- Add as many goals as you need — holiday, home deposit, emergency fund
- Lend from yourself when you need it — and pay yourself back
Stop splitting your savings. Start stacking your interest.
Spreading savings across five accounts fragments your balance and costs you interest. Savvy Dollar lets you pool everything in a single high-yield account — while maintaining full clarity on what every dollar is for.
- Keep all savings in one HYSA or mortgage offset account
- Maximise your interest rate on the full balance
- Offset account holders save on mortgage interest too
- Savvy Dollar does the mental accounting — your bank does the earning
Earn the points. Skip the interest. Finally.
Use your credit card for all spending to stack loyalty points and keep your savings balance high. The Credit Card bucket aggregates every transaction — so you always know exactly what to pay off before interest hits.
- Track all credit card spend in real time
- Always know your exact balance — no surprises at statement time
- Pay in full every month, automatically
- Earn points on every dollar spent — without the debt risk
The moment your money finally makes sense
"I had $18k in my account and genuinely didn't know if I could afford a $400 flight. Now I can see my Cash Flow bucket says $2,800 — and I know exactly what's mine to spend."
"I have a mortgage offset account and my savings were spread everywhere. Moved it all into the offset, set up Savvy Dollar — and I'm saving about $180/month in interest I was just giving away."
"Car registration hit and I didn't even flinch. I'd been putting $120 a month into the Car bucket for a year. The money was just there. That feeling is addictive."
Finally know what you can actually spend.
Discover how to give every dollar a job.
Start for free — takes 2 minutes