Free bucket budgeting for Australians

Know exactly what to transfer on payday.

Organise your income into buckets, plan for every expense, and get a clear list of bank transfers. No spreadsheets. No guesswork. No signup required.

Start budgeting — it's free See how it works
Free forever No account required No bank linking needed Built in Sydney

Transfers are calculated automatically from your income, expenses, and bank accounts.

How it works

Three steps to a clear payday.

Enter your income and expenses

Add your take-home pay and bills with their frequencies — weekly, fortnightly, monthly, whatever. Everything is converted to your budget period automatically.

See your money in buckets

Your income is split into buckets: daily expenses, splurge, smile (medium-term savings), and fire extinguisher (long-term goals & debt). Adjust the ratios to suit your life. See how your split compares to the recommended 60/10/10/20.

Follow your Payday Plan

Map buckets to your bank accounts and get a clear transfer list. On payday, open your banking app, make the transfers, and you're done. Two minutes, no spreadsheet.

Bucket budgeting

Split your income with purpose.

Every dollar of income goes into a bucket. Your expenses are covered first, then the surplus is split between your goals.

Daily Expenses Splurge Smile (medium-term savings) Fire Extinguisher (long-term goals & debt)

The app shows how your actual spending compares to the ideal split — so you can see exactly where your money goes and adjust at your own pace. No judgement, just clarity.

Why My Money Buckets

Built for real life, not financial theory.

Payday transfer plan

A clear list of exactly which transfers to make between your bank accounts. Calculated automatically.

Bucket allocation

Default 60/10/10/20 split or fully customisable ratios. See your actual vs ideal at a glance.

Shows all the maths

Every number is derived transparently. See how amounts are annualised, converted, and allocated. No black box.

Private by default

Your budget lives on your device — no account, no bank connections. Sign in to back up and sync across devices with Plus.

No bank linking needed

Your accounts, any bank. You define your account names — no BSBs, no account numbers, no bank feeds.

Australian-first

Fortnightly pay, AUD, Australian expense templates. Built for how Australians actually budget.

Renewal & bill tracker

See which bills are coming up, what's overdue, and mark them as paid. Never miss an annual subscription or quarterly payment again.

AI-powered insights

Budget health score, personalised suggestions, and AI narrative summaries — available with Plus. Your dollar amounts never leave your device unless you opt in to enhanced advice.

Works offline

Install it on your home screen like a native app. Works offline with full functionality — no internet needed to manage your budget.

Pricing

Free forever. Upgrade if you want more.

The full budgeting app is free with no limits. Plus adds extra tools for people who want to track progress over time.

Free

$0 forever

Everything you need to budget with buckets.

  • Income & expense tracking
  • Bucket allocation (60/10/10/20)
  • Payday transfer plan
  • Renewal & bill tracker
  • Budget snapshots
  • Export & import (JSON)
  • Works offline & installable
  • No account required

Plus

$29 /year

Extra tools to track your progress over time.

  • Everything in Free
  • Cloud sync across devices
  • Snapshot trends & comparison
  • Budget forecasting
  • AI-powered insights
  • Bill reminder notifications

Questions

Frequently asked

Is it really free?
Yes. Income tracking, expenses, bucket allocation, Payday Plan, snapshots, export & import — all free, no account required. An optional Plus upgrade adds cloud sync, snapshot trends, budget forecasting, and AI-powered insights.
What does Plus include?
Plus unlocks cloud sync across devices, snapshot comparison & trends, budget forecasting, and AI-powered insights. The core budgeting app is completely free — Plus is for people who want extra tools to track their progress over time.
Do I need to create an account?
No. Your budget is stored in your browser — start using it instantly with no sign-up. Export to JSON is always available. If you want cloud sync across devices, sign in and upgrade to Plus.
Does it connect to my bank?
No — and that's by design. You define your bank account names (like "Everyday", "Bills", "Savings") without entering any sensitive details. The app calculates transfers between those accounts. You make the transfers yourself in your banking app. This keeps your financial data completely private.
What is bucket budgeting?
Bucket budgeting splits your income into categories — or "buckets" — for different purposes. A common split is 60% for daily expenses, 10% for fun spending (splurge), 10% for medium-term savings (smile), and 20% for long-term goals and debt (fire extinguisher). My Money Buckets calculates your actual split based on your real expenses and shows how it compares to the ideal.
Is my data safe?
Your budget data is stored locally in your browser by default. If you sign in, your data is encrypted and synced to secure cloud storage (AWS, hosted in Australia). We don't collect personal financial information. No bank account numbers or BSBs are stored anywhere — locally or in the cloud.
Does it work on my phone?
Yes. My Money Buckets is a Progressive Web App (PWA) designed mobile-first. You can add it to your home screen on iOS or Android for an app-like experience. It works offline too.
What if I'm not paid fortnightly?
My Money Buckets works with weekly, fortnightly, twice-monthly, and monthly pay cycles. All your income and expenses are automatically converted to match your pay frequency, so the maths works no matter how often you're paid.
Is this affiliated with the Barefoot Investor?
No. My Money Buckets is an independent app. It is not affiliated with, endorsed by, or connected to any financial adviser, author, or financial institution. Bucket budgeting is a general concept used by many budgeting approaches.

Ready to simplify your payday?

Set up your budget in under two minutes. Free, no signup, works right now.

Start budgeting — it's free