Money Maze: Budget & Cashflow

Money Maze Fintech

In-app purchases

About this app

What’s actually safe to spend right now? Money Maze® answers that question every day—and shows you what your bank balance will look like next payday, next month, even next year.

Most budgeting apps are built for a tidy monthly salary that never changes. That’s not real life. Tradies paid weekly. Office workers paid fortnightly. Nurses on rotating shifts. FIFO workers on a swing. Families juggling bills between paydays. Rigid monthly budgets break—and leave you stressed and guessing.

Money Maze® maps your money to your actual pay cycle and calendar, so every decision is backed by a clear picture of what’s coming. Spend without guilt. Save without spreadsheets. Map your money to your reality.

Proudly built in Australia for all Aussies—students, families, shift workers, contractors, small business owners, and everyone in between.

POWERFUL FEATURES BUILT FOR YOU:

• VISUAL CASHFLOW FORECASTING
Track exactly when money enters and leaves your account. Forecast your bank balance and cashflow weeks, months, or years ahead based on your recurring bills, subscriptions, and income patterns—weekly, fortnightly, monthly, or shift-based.

• REAL-LIFE PAY OVERRIDES
Overtime, a short week, a one-off bonus? Override any pay cycle’s income in seconds and your entire forecast updates instantly. Your plan follows your life—not a template.

• SAFE-TO-SPEND METER
Never guess if you can afford a purchase again. Money Maze® instantly calculates your cash safety buffer from your upcoming bills and obligations, showing exactly how much is safe to spend right now—before your next payday.

• SMART SET-ASIDES (NO MORE BILL SHOCK)
Effortlessly reserve funds for heavy upcoming bills (car rego, insurance, utilities) before they hit, with reminders so nothing sneaks up on you. Interactive water-fill progress bars keep your targets in sight.

• LEAVE & TIME-OFF TRACKING
Holidays, medical leave, unpaid time off? Map it on your timeline and see exactly how your money holds up while you’re not working—before you book anything.

• 24/7 CONVERSATIONAL AI ASSISTANT
An intelligent budgeting partner in your pocket—ready to help you plan long-term money goals, understand your spending habits, and break down big savings targets.

• INSTANT AI RECEIPT SCANNING
Stop typing in numbers. Snap a photo of any receipt or invoice and the AI extracts the price, date, and vendor for seamless expense tracking.

• GARAGE & REFUEL LOGS (ATO-FRIENDLY)
Manage your vehicles, log fuel and odometer readings, and track service history. The structured 12-week ATO logbook manager makes work-related tax deductions effortless at tax time.

• SANDBOX LIFE SIMULATORS
A pay raise, a new roster, a big purchase? Run sandbox simulations to model major life changes safely before making them.

• SHAREABLE REPORTS
Turn any stretch of pay cycles into a clean summary you can share or save as a PDF—perfect for keeping your partner or accountant in the loop.

• PREMIUM, TACTICAL DESIGN
A stunning dark-theme interface built for fluid navigation and offline-first use across all your devices.

Money Maze® is free to download and includes essential budgeting tools. Advanced features, including full AI assistant capabilities and premium tax logs, are available via flexible subscription tiers.

Money Maze® provides general budgeting tools and information only, and does not provide financial advice.

Your financial path doesn’t have to be a maze. Plan, protect, and grow with Money Maze®.

What’s new

This version:
• Bill reminders now show the amount due, including shared household bills
• Share your budget with a partner by email (Pro)
• Skip any setup-guide step you don't need
• "Need help?" on the sign-in screen
• Blue elapsed time on the pay cycle track and widget
• Fixes for dates near midnight and bills carrying forward too long