Meet Obie. Your money mate.
Smart enough to tell you the truth.
Tell Obie your goals, and it connects to your accounts, reads your actual spending, and builds a personalised plan to help you spend smarter, save more, and invest the rest—so you can live your best life now without sacrificing your future.
Built for young Australians who want a way to get ahead
Budget betterSave moreInvest smarterPlan aheadSpend smarterInvest the restStay on trackBuild real wealthBudget betterSave moreInvest smarterPlan aheadSpend smarterInvest the restStay on trackBuild real wealthStart where it matters most
Obie builds your plan around you.
Obie turns your goals into a clear plan—so you can set spending limits, save more and start investing regularly.
Create a money plan
Build an emergency fund
Pay off debt
Save for what you love
Start investing
Plan your next goal
Upgrade your lifestyle
Track your progress
Achieve financial freedomOne app.
Everything money.
Budget to save more
Know exactly where your money goes. Automatically.
Build your safety net
Be prepared for life's unexpected moments. Save with confidence.
Get out of debt
A clear path forward. No shame, no stress.
Reach your savings goals
Set your goals and track progress every step of the way.
Grow your investments
Invest your money and grow it. Grow your confidence month by month.
Money know-how
Real financial wisdom at every step. No jargon, ever.
Ready to get your money sorted?
No credit card needed. Takes less than 5 minutes.
Free to get started
Up and running in under 5 minutes.
Obie does the heavy lifting from day one. Just share your goals, connect your accounts and Obie handles the rest.
Tell Obie what you want
About your goals, your dreams, your biggest money challenges. Budget better? Invest smarter? Build long-term security? Obie builds your personalised plan around your answers — based on the 70/30 framework that's already helped thousands of Australians get ahead.
Connect your accounts
Securely link your bank accounts in seconds. Obie reads your real income, spending, and debts — so your plan is based on what's actually happening, not what you think is happening.
Let Obie guide you forward
Your personalised plan is ready instantly. Obie updates it automatically as your life changes, sends smart nudges when they matter, and keeps you moving forward — every step of the way.
Sounds good? Let's get started.
Takes less than 5 minutes. Obie does the rest.
No Credit card needed.
Meet Sahar
Adulting was already hard. Money made it harder.
Sahar OB'd it.
Your finances,
finally in one place.
Obie connects directly to your bank accounts using government-backed Open Banking. No manual entry, no guesswork. Just a live, accurate picture of your money, updated automatically.
Syncs automatically
Your transactions update in real time. Obie always knows exactly where you stand.
Personalised to you
Obie builds your plan based on your real income and spending, not averages.
Read-only & secure
Obie can see your accounts but can never move your money. Bank-grade security.
What people are saying
Hear how Obie is helping people get ahead.
This is actually much easier to use than the excel sheet I currently use. I love that it gives me a guide and breaks down my salary and shows me what it should go towards.
Budgeting makes sense with Obiemoney. It is such a clear way to get more from my money. I love the layout and how it makes me think!
It's convenient to have everything on one page and helps me understand time frames with regards to savings goals and the impact of paying off my debt sooner."
It was helpful to consider an emergency fund in addition to standard savings. I hated dipping into my savings for an unexpected bill. I feel much better having money aside for those emergencies!
I like how it tells me the date that I will reach my savings goals based on how much I am putting away — made it a lot easier than calculating it myself!
My biggest problem is overspending and I don't like looking at my bank accounts! In two minutes Obiemoney showed me how much I should budget to not overspend.
Let's answer what's on your mind.
Okay, we know your brain is doing the most right now. Before you spiral, here are some quick answers that just hit different.
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What is Obiemoney and how does it work?
Obiemoney is a personal finance app built around the 70/30 framework — a simple, proven approach to splitting your income between living (70%), saving (20%), and investing (10%). Connect your bank accounts via secure Open Banking, tell Obie your goals, and Obie builds you a clear, step-by-step financial plan based on your real numbers. No jargon, no spreadsheets, no stress.
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Is Open Banking safe? Can Obie move my money?
Obie uses Australia's government-backed Consumer Data Right (CDR) framework — the same infrastructure used by major banks and fintechs. It's read-only access only: Obie can see your transactions and balances, but it can never initiate transfers or move your money. Your credentials are never stored by Obie. Bank-grade encryption, always.
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How is this different from just using my banking app?
Your banking app shows you what happened. Obie tells you what to do next. It doesn't just categorise your spending — it builds a complete, personalised financial plan across budgeting, emergency savings, debt, savings goals, and investing. It's the difference between a rearview mirror and a GPS.
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Who is ObieMoney for?
Obiemoney is built for young Australians — typically 22 to 38 — who are earning a real income but feel like they're not getting ahead. If you've ever wondered where your money went, avoided looking at your bank account, or felt like adulting should have come with an instruction manual, Obie is for you. No finance degree required.
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How much does it cost?
Obie is free to get started — no credit card needed. A monthly subscription unlocks the full plan, open banking connection, and all features. Pricing starts at $9.99/month. Less than two coffees. Your future self will call it the best investment you ever made.
Want to know exactly where your money is going?
Join thousands of young Australians who've stopped stressing and started moving forward. Takes less than 5 minutes. Your future self will thank you.
Get started freeNo credit card needed. Cancel anytime.