See the whole picture
Keep income, spending, bills, accounts, assets and goals together in one understandable view.
One household. One clearer plan.
Make every dollar feel
Bring the financial information you choose to add into one calm view, then turn it into a practical household plan.
Spentlo
Money made clearer
Account access
Welcome to Spentlo
Log in to your household plan or create a new account.
By continuing, you agree to the Terms of Service and acknowledge the Privacy Policy.
Why Spentlo
Your money, without the mental clutter.
Spentlo helps households understand where they stand today and what the next few months may look like. It connects the information you add without turning everyday planning into accounting homework.
Plan ahead simply
Use forecasts and budgets to make upcoming costs visible before they become surprises.
Make it household-ready
Build a shared plan that keeps the right people informed while preserving clear access controls.
Free money tools
Useful answers, before you create an account.
Explore two private, browser-based calculators built to make complicated numbers easier to understand. Nothing you enter is saved or sent to Spentlo.
01 · Tax
Australian income tax calculator
Estimate take-home pay, tax brackets, LITO and the Medicare levy with a visual income breakdown.
Calculate tax 02 · Home loanMortgage repayment calculator
Compare minimum repayments with extra payments and an offset, then see the balance path over time.
Explore repaymentsHow it works
A useful plan in three steps.
- Add what mattersChoose the financial details that belong in your plan.
- See what is changingReview cash flow, forecasts and progress in one place.
- Adjust with confidenceUpdate the plan as life, goals and household priorities change.
Privacy by choice
You stay in control of what you add.
Spentlo analyses the financial information you choose to add and does not sell personal information. You can disconnect available providers, reset your workspace or delete your account.