Financial optimisation

Everything they skipped in school.

The personal finance operating system for Australians - stop the invisible leaks eroding your wealth over time.

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Free · No signup required · Australian tax year 2024-25

THE PROBLEM

You can't optimise what you can't see.

Most Australians never see their finances as one connected system - so the invisible leaks go unnoticed for years.

Scattered visibility
Most people don't fully understand their own payslip - and super compounds silently, so every year you're not optimising costs you more at retirement.
Budget drift
HECS indexation can add thousands to your debt in a single June. Without a live model, you can't see these forces working against you.
Untapped rewards
Rewards cards are widely misunderstood - most people route spending to the wrong card, missing cashback, points, and gift-card stacks worth hundreds a year.
app.financeos.com.au
Flow from gross income to disposable income, living categories, discretionary income, and budget categories10.7%89.3%0.0%89.3%23.6%65.7%Total package$112,000Super$12,000Gross income$100,000Deductions$0Taxable income$100,000Income tax: $20,000$20,000Medicare Levy: $2,000$2,000HELP repayment: $4,412$4,412Mandatory withholdings$26,412Disposable income$73,58845.4%54.6%Housing: $21,600$21,600Utilities: $3,000$3,000Groceries: $7,200$7,200Transport: $3,360$3,360Healthcare: $5,000$5,000Discretionaryincome$33,428Discretionary: $11,000$11,000Savings: $11,214$11,214Investments: $11,214$11,214
HOW IT WORKS

From first input.
to full clarity.

No bank logins, no integrations. Enter your numbers once and FinanceOS builds your complete financial picture.

01
Configure your inputs

Enter your salary, deductions, withholdings, and living costs once. FinanceOS maps every dollar from gross pay to what's left over.

02
See the full picture

A six-layer Sankey traces your income through tax, super, HECS, and living expenses, so nothing is invisible, including the compounding you're missing.

03
Optimise every layer

Simulate scenarios, stack rewards, route card spending, and track 50-year projections. Every tool is live and interactive.

APP MODULES

Five interactive modules.One system.

From salary to super - every layer of your finances in one place, interactive and live.

Configure

Open the engine room: salary, deductions, withholdings, and the flows that power the rest of the app.

app.financeos.com.au
Configure preview
TESTIMONIALS

Real people, real results.

Australians using FinanceOS to see their finances clearly for the first time.

“The Sankey alone was a revelation. I could finally see my full salary flow - tax, super, HECS, living costs - all in one diagram. I restructured my salary sacrifice the same week.”

Sarah ChenSoftware Engineer, Sydney

“Indexation had quietly added $4,200 to my HECS debt in a single year. I had no idea until I ran the simulator. Made a voluntary repayment the next day.”

Marcus JohnsonGraduate Accountant, Melbourne

“As a freelancer, super was always a black box. Now I run the projection every quarter and know exactly what I need to contribute to hit my number at 60.”

Alex RiveraFreelance Designer, Brisbane

“I switched two cards after seeing the rewards optimiser - I was routing $800/month of grocery spend to the wrong card. That's a flight a year I was leaving on the table.”

Priya NairProduct Manager, Perth

“I always knew I wasn't on top of my finances. FinanceOS made the problem concrete - I could see exactly which leaks to plug first, ranked by dollar impact.”

James WhitfieldCivil Engineer, Adelaide

“The Sankey alone was a revelation. I could finally see my full salary flow - tax, super, HECS, living costs - all in one diagram. I restructured my salary sacrifice the same week.”

Sarah ChenSoftware Engineer, Sydney

“Indexation had quietly added $4,200 to my HECS debt in a single year. I had no idea until I ran the simulator. Made a voluntary repayment the next day.”

Marcus JohnsonGraduate Accountant, Melbourne

“As a freelancer, super was always a black box. Now I run the projection every quarter and know exactly what I need to contribute to hit my number at 60.”

Alex RiveraFreelance Designer, Brisbane

“I switched two cards after seeing the rewards optimiser - I was routing $800/month of grocery spend to the wrong card. That's a flight a year I was leaving on the table.”

Priya NairProduct Manager, Perth

“I always knew I wasn't on top of my finances. FinanceOS made the problem concrete - I could see exactly which leaks to plug first, ranked by dollar impact.”

James WhitfieldCivil Engineer, Adelaide
FAQ

Common questions.

Everything else, ask the AI assistant once you're inside.

GET STARTED

People need an operating system too.

No bank logins. No complicated setup. Enter your numbers and see your whole financial picture in minutes.

Get started
Free forever on core modulesNo bank logins requiredATO rates updated yearly

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