The #1 App You Need to Simplify Your Finances in 2025

Meet the App That Tracks Your Spending, Sets Goals, and Simplifies Budgeting in 2025

What if there was an app that doesn’t just track your spending but also helps you set goals, warns you when you're about to go over budget, links all your accounts (credit cards, loans, and investments) for a full financial snapshot, categorises your spending (yes, even those cheeky late-night takeout splurges), shows your your credit score, reminds you when bills are due, AND gives you a complete view of your finances all in one place?

And it does all this while keeping your data safe with bank-grade encryption and read-only access.

You’d be like, YES, I need this, right?!

Well, good news it exists! Say hi to WeMoney, Australia’s biggest budgeting app and the ultimate lifesaver for anyone looking to take control of their finances without the stress.

I personally love using WeMoney because I bank with multiple banks, and it’s the only place where I can see all my spending and accounts in one clear view. It’s like having your own really smart and fast personal CFO minus the hefty salary. Its also shows me my credit score so I can ensure 

So, how do you use WeMoney to create a budget that works for you?

How to Use WeMoney to Simplify Your Budget

Step 1: Set Up Your WeMoney Account

Download the app, link your accounts, and let it work its magic. In just minutes, you’ll have a complete snapshot of your financial life.

Step 2: Review Your Spending Habits

WeMoney automatically categorises your expenses. Take a look at where your money is going any surprises?

Step 3: Define Your Goals

What do you want to achieve? Build an emergency fund? Save for a house? Pay off debt? Enter your goals into the app, and WeMoney will help you plan for them.

Step 4: Create Your Budget

Use WeMoney’s customisable budget tool to allocate your income. A simple way to start is the 50/30/20 rule:

• 50% for essentials (rent, groceries, bills).
• 30% for wants (dining out, fun stuff).
• 20% for savings and debt repayment.
• OMG fund - with 3-6 months work of expenses 

Tweak these percentages to suit your goals and lifestyle and remember the label your accounts with your own personal names. 

Step 5: Automate and Track

WeMoney does the heavy lifting. It tracks your progress, keeps you updated, and even nudges you when you’re close to overspending.

Step 6: Celebrate Your Wins

Whether you’ve hit a savings milestone, paid off a credit card, or trimmed some unnecessary expenses, the app helps you see and celebrate your progress. Remember small wins add up to big results!

This app takes the guesswork out of budgeting no more wondering where your money goes cause you’ll know exactly. It keeps you accountable (and let’s be real we all need a little nudge most of the time). 

If budgeting has always felt like a chore, WeMoney might just be the game-changer you’ve been waiting for. Download the app today and take the first step toward a simpler, smarter budget in 2025.

More Features You’ll Love in WeMoney

• Pay Off Your Debts Faster. Visualise your progress, combine your debts, and get actionable insights to pay off debt quicker.
• Recurring Expenses. Never miss a payment again—WeMoney alerts you before bills are due.
• Track Your Credit Score. Stay informed about your credit health with regular updates and tips to improve your score.
• Community Support. Join a like-minded community where members share tips, wins, and motivation to stay on track.
• Smart Insights. Get tailored financial tips and insights to help you make better money decisions.

These features make managing your finances effortless and empowering!

P.S. I get asked a LOT about the safety of apps like this one.

Is WeMoney safe to use? 

WeMoney employs industry-standard security measures, including 256-bit SSL encryption, to protect your data. It partners with Yodlee, a globally recognised financial data aggregation provider, ensuring that your bank login credentials are transmitted securely and are not stored on WeMoney's servers.

Additionally, WeMoney offers features like biometric authentication and PIN protection to enhance account security.

It's important to note that WeMoney operates on a read-only basis, meaning it cannot move money or make payments from your accounts, adding an extra layer of security.

Download WeMoney for free on the App Store and PlayStore today.