Track Your Expenses And Consolidate Your Net Worth (In Australia)

  1. All your money in one place
  2. Buy Bitcoin or Ethereum fee-free with as little as $5
  3. Track your credit score and discover your chance of approval
  4. An alternative to your ‘high-interest’ saving account?
  5. Is it safe?
  6. Eligibility

It’s not always easy to keep track of your finances; especially if you have multiple savings accounts, investment accounts, credit cards, loans — or you simply just have irregular month-to-month expenses that seem impossible to track.

One thing is for certain though, keeping track of your expenses, as well as your income, is vital to identifying and eliminating wasteful spending habits such that you can take the reigns and have control over your financial goals.

So let’s look at how we can track our expenses.

Introducing, the Finder App

The Finder App is a finance tracking app created by the Australian company ‘Finder Ventures’. The App acts as a repository for all your financial needs. You can add your credit cards, home loans, etc. to your account and view your finances all under one roof. Since the app is linked to your bank account, it can track your spending habits and provide a comprehensive and detailed breakdown of all your expenses, which are catergorised and accessible to you right from the app.

Essentially, the main selling point of the Finder app is how it can consolidate and smartly arrange your financial data to show you your spending patterns, such that you can eliminate non-essential or hidden costs that you may have forgotten about.

There’s a tonne of other features offered by the App as well, so be sure to check them out below:

All your money in one place

See all your money from the comfort of your phone. Connect your transaction and savings accounts, investments, superannuation, loans and credit cards and manage them in one easy-to-use dashboard.

Buy Bitcoin or Ethereum fee-free with as little as $5

Whether you’re a beginner or a full-blown expert, you can buy and sell Bitcoin and Ethereum on the Finder App using your fiat currency.

Track your credit score and discover your chance of approval

On top of tracking your finances and buying cryptocurrency, the App also offers a free service to generate a credit report for you that lenders similarly look at to assess your eligibility for credit card and personal loans (Find out more about the credit report here). It’s a great tool to add to your armoury and be a step ahead of lenders if you ever decide to apply for a personal loan.

An alternative to your ‘high-interest’ saving account?

I’ve talked about the lousy interest rates being offered by traditional banks here in Australia in a previous article I’ve written (check it out here), but the Finder App is another alternative that offers incentives for users to hold AUD inside their wallets on the App. As of writing, the finder App pays returns of 4.01% a year, with interest being paid daily. It has no fees and all that is required is for users to transfer Australian dollars to their Finder Wallet on the app, then convert that into the TrueAUD (TUAD) stablecoin using the platforms ‘Earn’ feature to earn the 4.01% annual return.

On top of that, As of 04 May 2022, and up until 01 July 2022, the Finder App is offering a promotion to all Finder Earn members with balances above 10,000 TAUD, where they will offer a 2% bonus annual rate, bringing the total return to 6.01% per annum. If however, you don’t have $10,000 worth of AUD on hand, then the 5.04% return offered by Swyftx (again, I wrote about this in my previous article here) for balances under $15,000 AUD may be more desirable (at least for me it is).

Either way, the returns offered by either of these platforms definitely make the rates offered by traditional banks look like a joke.

Is it safe?

Since the Finder App links to your bank/investment accounts to track your income and expenses, a reasonable concern you may have is whether it is safe or not. To address this, the Finder app has partnered with Envestnet Yodlee, which is a global leader in banking technology, such that it can connect your bank accounts to the app via secure application programming interfaces (API’s).

For your reference, Envestnet Yodlee is a NASDAQ-listed company and global leader in securely hosting financial data encryption, with the company servicing tens of millions of consumers.

As a result, your login credentials are sent to Envestnet Yodlee using the encryption algorithm AES256-CBC, which connects to your bank accounts but does not store or record your login details. Access is strictly restricted and audited to ensure privacy is maintained.


Since the main features of the app rely on your bank and investment accounts, the app can only be used with Australian based banks and investment platforms since this is the only country that is partnered with Finder.

Create your account today

All that’s left now is for you to create your account with the Finder App. In fact, if you sign up via the link below, you will instantly receive a free $10 AUD for doing absolutely nothing other than signing up and completing the verification ‘know yourself’ (KYC) process.

It’s as simple as the three steps below:

  1. Tap on this link: Finder Signup or enter code 16TXFK when prompted to signup
  2. Download the Finder app on your smart device.
  3. Once downloaded, sign up for an account (using the above link/code), head to the “Wallet” tab, tap “Set up your wallet” and complete the KYC process

Even if you decide not to use their expense tracking and income consolidating services, you’ll still get the free $10 — not bad!

That’s all from me! Good luck tracking your expenses :)

Have a splendid day,



Investing always involves a level of risk. You aren’t guaranteed to make money, and it is possible to lose the money you start with. I am not a financial advisor, so none of what I say should be taken as financial advice. You should consider seeking independent legal, financial, taxation or other advice when considering whether an investment is appropriate for your objectives, financial situation or needs.