Everything your members need for financial clarity
moneymood delivers a complete financial wellbeing platform to your members. AI-powered analysis, adviser-backed insights, and real pathways to better outcomes. Every feature included at no cost.
Insights that drive real outcomes
moneymood analyses each member's complete financial picture across over 30 dimensions including income, spending, assets, debts, goals, and behaviour patterns. The AI engine generates insights specific to each member's situation, informed by licensed financial advisers.
From detecting spending patterns to identifying refinancing opportunities, moneymood surfaces what matters so members can take action.
A complete financial wellbeing toolkit
Net Worth Tracking
Total net worth calculated across all accounts, property, super, and investments. Historical analysis, CAGR calculations, and milestone tracking over time.
Financial Trajectory
Year-by-year projections to retirement. Property equity, super balance, investment growth, debt payoff, and overall net worth modelled forward.
Scenario Modelling
What if members made extra mortgage payments? Increased super contributions? Cut expenses? Simulate scenarios and compare long-term outcomes.
Behaviour Analysis
Understand spending personality, detect recurring habits, spot seasonal patterns, and measure income consistency. See how financial behaviour is trending.
Debt Strategy
Compare snowball vs avalanche repayment strategies with month-by-month simulations. Total interest savings and months to debt freedom, calculated precisely.
Superannuation Projections
Project super balance to retirement with employer SG contributions, voluntary and salary sacrifice amounts, and compound returns. Milestone balances at key ages.
Income and Spending
All transactions categorised automatically. See where money goes each month, track spending against budgets, and identify optimisation opportunities.
Goal Tracking
Set savings goals for house deposits, holidays, emergency funds, or anything else. Progress tracked automatically with on-pace indicators.
Subscription Detection
Automatic detection of recurring payments and subscriptions across all accounts. Members see exactly what they are paying for each month.
Financial Progress Engine
Track financial improvement across multiple time windows. Velocity and acceleration measured across wealth growth, debt reduction, savings, and spending habits.
Insurance Benchmarking
Compare insurance costs against national benchmarks. Highlights potential savings for home, car, and travel insurance with links to comparison tools.
Property and Lending
Track property values alongside mortgage balances. Equity growth, borrowing capacity estimates, and stamp duty calculations for any Australian state.
Instant financial health advice, anytime
Members don't need to wait for an appointment or search through articles. They message moneymood anytime and get personalised, data-backed guidance in real time, based on their actual financial position.
Whether it's a budgeting question at 10pm or a mortgage decision on a Sunday, the AI assistant understands each member's complete financial picture and responds with relevant, adviser-informed guidance.
Members see where their money is headed
moneymood models each member's complete financial trajectory from today to retirement. It factors in mortgage amortisation, super contributions with legislated SG rate changes, investment returns, debt repayment schedules, and savings growth.
Members see year-by-year projections and key milestones like when they will be mortgage-free, debt-free, or reach net worth targets.
All of this, completely free for your organisation
Book a DemoNo licence fees. No per-seat pricing. Every feature included.
Built for every aspect of financial life
Secure Document Vault
Members store tax returns, payslips, insurance certificates, and loan documents securely. Encrypted and always accessible.
Household Finance
Members can combine financial views with a partner or family. Shared goals and household net worth while maintaining individual data control.
Weekly Financial Brief
Weekly summary of what changed, what improved, and what needs attention. Members stay informed without effort.
Financial Alerts
Notifications about spending spikes, budget warnings, new subscriptions, large transactions, and savings rate changes.
Instant Financial Health Advice
Members message anytime for real-time, personalised financial guidance based on their actual data. No appointments, no waiting.
Works on Any Device
Fully responsive platform that works on desktop, tablet, and mobile. Members access their dashboard from anywhere.
AI Security Systems
Advanced AI-powered security monitors every interaction. Fraud detection, anomaly alerts, and intelligent threat prevention keep member data safe around the clock.
Give your members financial clarity
Free for your organisation. Every feature included. Adviser-backed and CDR compliant.