enMoney
Features

The whole household, all year.

The tax pack is what it builds towards. This is everything that feeds it — or open a sample pack to see where it ends up.

The enMoney dashboard: one net worth in Australian dollars, with tiles for cash, investments, two properties against their loans, and super, above a list of Australian bank accounts and a portfolio of mostly ASX holdings with a few overseas.

The actual dashboard, shown with sample balances — every figure on it is invented, and adds up. So is every screen below.

The enMoney tax pack cover: one link listing each household member's pack and receipt bundle for the financial year, with a note that a sole trader's result belongs in its owner's return.
Tax packs

One link for the accountant.

Each person's pack and their receipts behind a single expiring link — rental income and costs per property, loan interest from the statements, deductions with the receipt attached. Jointly owned assets are already split to each owner's share, so the packs describe the household without counting anything twice.

The enMoney transactions screen: a month of bank transactions with merchant names, categories and recurring badges worked out automatically, above cards comparing this period's spending with the last.
Transactions

Statements in. Categories out.

Import a PDF statement and “WOOLWORTHS 1234 BONDI JUNCTION” becomes Woolworths, filed under Shopping, with the subscriptions flagged as recurring. Spending is compared against the equal window a month back, so the comparison is honest rather than flattering.

The enMoney salary and retirement screen: Australian superannuation with its financial-year statement lines, an Indian EPF account, and an NPS account with its equity, corporate debt and government securities split — all on one page.
Salary & retirement

Super, reconciled against your payslips.

Your super statement checked line by line against what your payslips say was paid in, so a missed contribution shows up in weeks rather than at retirement. If part of your working life was in India, EPF and NPS sit on the same page.

The enMoney dividend forecast card: projected gross income for the next twelve months in Australian dollars, US dollars and rupees, with a month-by-month bar chart per currency and the per-holding annual figures beneath.
Dividend forecast

What the portfolio pays next year.

Projected from each holding's own payment history — its cadence and trailing twelve months — not a yield assumption. Anything paid overseas stays in the currency it arrives in, instead of being quietly converted.

The enMoney investments screen: one portfolio with Australian shares and a Vanguard fund, Indian shares and a mutual fund, and US shares — each group totalled in its own currency, above an allocation chart and a cost-versus-value chart.
Investments

ASX and Vanguard — and anything held overseas.

ASX shares and ETFs, Vanguard funds priced by APIR code, and — if you have them — US shares and Indian shares and mutual funds, each group in its own currency. One portfolio, valued daily, with returns worked out properly rather than as a bare gain.

What it tracks

Australia first. Overseas too.

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Australia

  • ·PDF statements from your banks, categorised automatically
  • ·ASX shares and ETFs, Vanguard funds priced by APIR code
  • ·Super statements reconciled against your payslips
  • ·Investment properties: rent, costs and loan interest
  • ·Franking credits and dividend history
  • ·CGT with the 12-month discount
  • ·A tax pack per person, per financial year
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Got money back in India?

  • ·Mutual funds priced daily from AMFI
  • ·CAS statement import, SIPs detected automatically
  • ·PPF with interest computed to the rupee
  • ·NPS and EPF balances
  • ·Capital gains under Indian rules, with an India tax pack
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Across the board

  • ·Net worth in Australian dollars, live FX for anything overseas
  • ·US shares and ETFs priced too
  • ·True returns with XIRR, not just gain
  • ·Property, loans and fixed deposits
  • ·Goals that earmark money you already hold
  • ·Households: one subscription covers you and your partner, and each shares only what they choose
Free tools

Some of it works without an account.

The same engines the app runs on your real data, as calculators anyone can use — no sign-up, nothing stored.

Home loan & prepaymentSuper contribution capAU capital gainsXIRRINR ⇄ AUDPPFIndia capital gainsUSD ⇄ INRUS capital gainsWash saleFBAR & Form 8938

Next July, already done.