Overview
Connect UP Bank to calculate your daily spending allowance
Accounts
Connect your UP Bank account
Configure your UP API token in Settings
Savings Goals
Create savings goals to track your progress
Bill Tracker
This monthConnect UP Bank to track bill payments
Recurring Charges
Recent Transactions
Connect UP Bank to see transactions
Subscriptions & Fixed Costs
| Item | Cost | Freq | /Month | Due Day | |
|---|---|---|---|---|---|
| Total | $0.00 | ||||
Discretionary / Pocket Money
| Item | Cost | Freq | /Month | Due Day | |
|---|---|---|---|---|---|
| Total | $0.00 | ||||
Joint Accounts & Fixed Transfers
| Item | Cost | Freq | /Month | Due Day | |
|---|---|---|---|---|---|
| Total | $0.00 | ||||
Income Credits / Reimbursements
| Item | Amount | Freq | /Month | Due Day | |
|---|---|---|---|---|---|
| Total | $0.00 | ||||
Bank Accounts
Reorder your savers or choose which ones appear on the dashboard
Savers & Balances
Drag and drop savers to reorder them on your overview list.
Connect your UP Bank account
Configure your UP API token in Settings
Account Visibility
Choose which connected UP bank accounts appear on your dashboard.
Active Saving Goals
Bill Tracker
Track your upcoming, paid, and overdue bills chronologically
Chronological Bill Checklist
Your bills are arranged in chronological order by due date. Border indicators show payment status: Paid (Green), Partially Paid (Orange), and Overdue (Red).
Connect UP Bank to track bill payments
Live Transactions
No transactions loaded
Connect UP Bank to see live transactions
Spending Analytics
May 2026Spending Breakdown
Transaction data needed for charts
Top Merchants
Spending data needed for merchant rankings
30-Day Cash Flow Forecast
Connect UP Bank for balance forecasting
Budget vs Actual
Budget and transaction data needed
Unconscious Spend Audit
Audit recent discretionary expenses to expose impulse behavior leaks.
MTD Behavioral Leak Statistics
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UP Bank API Token
Link your personal UP Bank account to feed live balance and transaction updates in real-time.
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Get your Personal Access Token from api.up.com.au
UP Bank Webhook Validation
Exposing webhook endpoints publicly without verification is unsafe. Verify the authenticity of UP Bank payloads (HMAC-SHA256 signature checking).
Register this URL in your UP Bank account webhooks page to receive real-time updates.
Provided by UP Bank when registering your webhook subscription.
Spend Audit Reset Center
Reset your behavioral spend audits. This will delete all local classification metrics and programmatically remove custom tags from your Up Bank account so cards can be re-audited.
Pay Cycle Settings
Align calculations to your salary cycle and ignore older spending in the current cycle.
Notification Preferences
Toggle which smart real-time push alerts you want to receive on your devices.
Data Import & Export
Back up your local configuration, target limits, and custom alerts as a JSON file.