Across all accounts
Today
Dashboard
Good morning
A quick check-in keeps your money plan clear.
Smart forecast
Your month is tracking toward $0.
Forecast will update as your profile and transactions grow.
Confidence
Learning
This month
This month
Income retained
Next pay
Not scheduled
Add income timing to show the next expected pay.
Upcoming bills
$0
No bills due soon.
Goal focus
$0
Add a goal to track monthly capacity.
Debt progress
0%
Add loan-backed assets to track payoff.
Cash buffer
$0
Add account balances to estimate runway.
Income streams
0 streams
Salary and recurring income sources appear here.
Clock --
--:--
Local time
Customise Dashboard
Choose which dashboard sections appear and the order they show in.
Income
Regular pay, annual earnings, tax expectations, and recorded income
Before estimated tax
Income tax and Medicare
After estimated tax
This month
Income Setup
Set pay frequency, tax handling, and bonus details for each person
Income Setup
Set pay frequency, tax handling, and bonus details for each person
Income Entries
One-off and recurring income for the selected month
Household Earnings
Annualised salary, entity income, expected tax, bonus, and pay timing
Expenses
One-off and recurring expenses in one table
| Date | Business / Payee | Person | Category | Account | Amount | Actions |
|---|
Tax Report
EOFY-ready tax expenses, receipts, and accountant exports
Rental property position
Gross rent, deductible costs, and potential negative gearing by property
Category breakdown
Where deductible spending sits
Receipt readiness
What still needs supporting evidence
Rental deduction checklist
Common ATO claim categories and what Spentlo currently has tracked
Estimate for accountant review
Eligibility depends on ownership, private use, when the property was genuinely available for rent, and supporting records. Principal repayments, private costs, residential rental travel, and purchase or sale costs are not treated as immediate deductions here.
Open ATO rental property guidance| Date | Payee | Treatment | Property | Person | Receipt | Cost | FY claim |
|---|
Goals
Savings targets connected to monthly surplus planning
Goal Plan
Targets, progress, monthly need, and dashboard funding capacity
Assets & Investments
Owned assets, investments, and loan-backed assets
Owned and financed assets
Linked loan balances
Assets minus debt
Monthly equivalent
Accounts
Balance sources
Bank linking
Connect Australian bank accounts securely through Fiskil, or keep adding accounts manually.
Account Settings
Manage preferences, profile details, and household members
Preferences
Preview how Spentlo looks and feels, then save your choices below
0/0
badges
Progress path
Achievement Hub
Unlock badges as your finances become clearer, more automated, and easier to manage.
Your next achievement will appear here.
Badge Collection
Milestones for setup, income, spending discipline, goals, and net worth growth
Account Details
Update your profile, contact details, and account defaults
Security & sign-in
Verify your identity and choose how you securely access Spentlo.
Email verification
Email ownership has not been checked yet.
2-step verification
Authenticator app verification is off.
Face ID & device passkeys
Use Face ID, Touch ID, an Android biometric, or your device unlock to sign in.
Connected sign-in
Connected sign-in is not available yet. Continue using your email and password.
Data controls
Start fresh or permanently remove your account. These actions cannot be undone.
Reset financial workspace
Clear your financial data and additional household profiles, then restart setup while keeping your account and security.
Delete account
Permanently remove your profile, saved finance data, and active sessions.
Billing
Placeholder subscriptions for future monetisation
Payment readiness
What must be connected before Spentlo can take real payments
Billing activity
Saved plan changes and placeholder checkout actions
Household People
Manage the people available across expenses, accounts, assets, and goals
Household access details will appear here.
Feedback
Capture what feels good, confusing, frustrating, or missing
AI Insights
Practical signals and private finance coaching
0
Score
Money pulse
Your next useful move
Spentlo is reading your income, spending, bills, goals, and assets.
Savings buffer
Target difference
Current month pace
Best next area
Month over month
What changed
Comparing the selected month with the month before it
Next Best Actions
Short, specific nudges from your current numbers
Forecast Snapshot
What the model is using right now
Money Map
Income, commitments, flexible spend, and surplus
Signals
Category and household patterns worth watching
Suggested monthly plan
Give every available dollar a job
A practical split based on your current forecast, buffer, goals, and debt.
Ask Spentlo AI
Private answers use a server-side finance summary only.
Ask a question to get a private answer based on this household's summary.
Admin Panel
Private operational controls for approved administrators
System Overview
Waiting for secure admin data
Admin data is loaded from the server only.
Security & Config
Admin-only deployment checks and app guardrails
Attention Queue
Things worth checking before they become support issues
Admin Actions
Secure maintenance tools for sessions and operational hygiene
Clean stale sessions
Remove expired or orphaned login sessions from the server store.
Emergency session reset
Sign out every other active session and keep this admin session online.
Users
Account health, sessions, and usage summary
Recent Feedback
Latest app feedback across users