Insights
Trends, patterns and spending analysis · All amounts in AUD
Cash Flow — Last 12 Months
View transactions →
Income vs Expenses — Period Comparison
View transactions →
Net Worth Over Time
View net worth →
Income Flow
View transactions →
Spending by Category
Spending by Subcategory
Income by Category
Income by Subcategory
Income & Expenses
Log transactions for both profiles
Transaction History
| Date | Type | Merchant | Category | Subcategory | Description | Account | Amount |
|---|
Bills
See what’s coming, track subscriptions, and set money aside for the big annual bills
Trends
Period
Charts below reflect the selected period. The stat cards above always show your position right now.
Bill Category Flow
confirmed bills
Savings Goals
Track progress toward your financial targets
Mortgage & Home
Track your mortgages, offset accounts and home equity
Mortgage Details
Offset Account
Auto-linked to Cash Tracker: The offset balance here automatically uses the latest Offset Account balance from your Cash Tracker. Save your mortgage to sync it.
Month this valuation applies to (defaults to current)
Link to Liability
Link this property's remaining balance to a Liabilities entry — balance auto-syncs every time you save. Choose "＋ Create new" to set it up in one step.
Home Equity
—
Current home equity
BalanceValue
Repayment Summary
Liabilities
Total debt obligations across all accounts
Mortgage
Other Liabilities
Accounts
Record your account closing balances each month — update any time, not just month-end
How to use Cash Tracker
Manual monthly balance snapshots — tap to expand
Combined Balances Over Time
Latest Month Net Position
Life Insurance
Policies, premiums, renewal dates and life insurance needs analysis
Coverage Gap Analysis
Upcoming Renewals ▾
All Policies
Life, TPD & Income Protection — Needs Analysis
Enter your existing TPD and IP cover in each card to see your coverage gaps. Life, TPD and IP calculated independently. IP: 75% of income, 90-day wait, to age 65.
Profile 1
Life Insurance Needs
Existing TPD & Income Protection
Profile 2
Life Insurance Needs
Existing TPD & Income Protection
Estimates for budgeting purposes only. Not financial advice. Consult a licensed adviser for personalised recommendations. IP: 90-day wait, benefit to age 65.
Superannuation
Track and project super balances for both profiles
Super Accounts Summary
Profile 1
Superannuation
Accounts
Projection Settings — balance auto-filled from accounts above when accounts are added
Profile 2
Superannuation
Accounts
Projection Settings — balance auto-filled from accounts above when accounts are added
Division 293 Tax — Full Breakdown
For high earners (income + concessional contributions > $250,000), Div 293 charges an additional 15% tax on contributions — raising the effective rate from 15% to 30%. This section shows the full impact including after-tax benefit and net super growth impact.
Combined Super Projection
Projections are illustrative estimates only and do not constitute financial advice.
Net Worth
Total assets minus total liabilities — your true financial position
Bank Balances
Superannuation
Property Equity
Liabilities
Assets Breakdown
Liabilities Breakdown
Equity Holdings
RSU grants and share portfolio
Monthly Net Worth History
Snapshot recorded automatically each time you save a balance, liability, or asset. Components shown when available.
Equity Holdings
Investment portfolio — shares, ETFs, bonds, crypto, RSUs, options
Portfolio Allocation
Top Holdings by Value
Vesting Timeline — Next 3 Years
Holdings
Upload Transactions
Import transactions from a bank CSV export, Excel save, or Google Sheets download. Everything stays on this device.
Import from CSV
1
Upload2
Map Columns3
Preview & ImportClick to browse or drag & drop your CSV file here
Works with bank exports, Excel saves, and Google Sheets downloads
What format does my CSV need?
Any CSV with a
date, amount, and description column works.
You'll map your columns in the next step. Download the template above for a ready-to-fill example.
We found these columns in your file. Tell us what each one is — then click Preview.
| Your Column | Sample Values | Maps To |
|---|
Your file has a running balance, so Kelda can update this account's balance for you.
Tip: If your bank has separate Debit/Credit columns, map both — we'll combine them.
With a single Amount column, negative amounts are spending. Tick the box above if your card statement lists purchases as positive amounts.
| Date | Type | Merchant | Category | Subcategory | Description | Amount | Status |
|---|
Export Data
Download your financial data in multiple formats for backup, sharing, or analysis.
Full Backup
All data as JSON — restore on any device
Transactions CSV
All transactions — open in Excel or Sheets
Monthly Summary CSV
Income & expenses by month — for budgeting
↑ Restore from Backup
Upload a previously exported JSON backup file to restore all your data. This will replace your current data — make sure to export a fresh backup first. The app reloads once the restore is done.
Export by Section
Data Summary
Clear Data
Permanently delete data from a specific section. Always export a backup first.
Budget vs Actuals
Compare what you planned to spend vs what you actually spent.
Category Breakdown
| Category | Monthly Budget | Actual | Remaining | % Used | Progress |
|---|
Set Monthly Budgets
Enter a monthly limit for each category. Leave blank for no budget. Changes save automatically.
Categories
16 categories · 83 subcategories. Edit subcategories inline, add custom ones, or import your own set.
Add New Category
Import / Export
Export saves all categories + subcategories. Import replaces the full list. Reset restores the built-in family categories.
All Categories
Smart Rules
Create and manage auto-categorisation rules for your merchants.
Australian Bank Category Comparison
See how Kelda categories map to CBA, Westpac, NAB, ANZ, Macquarie, Up Bank, Amex & HEM.
Bulk Auto-Categorise
Re-run auto-categorisation across all existing transactions. Skips transfers and transactions already matched by a rule.
Fix Invalid Category IDs
Repairs transactions with legacy or unrecognised categories (e.g. "groceries", "dining", "Other") and maps them to the correct standard categories or Other.
Smart Rules
Auto-assign categories to transactions based on merchant name. Rules run every time a new transaction is added or imported.
Confirmed Rules
Rules you create manually or confirm from suggestions. Highest priority — always applied first.
Auto-Learned
Patterns the app learns when you categorise transactions. Promoted to Confirmed with one click.
= vs ◡
Exact vs Contains
Exact matches the precise merchant name. Contains matches any transaction whose name includes the keyword — great for chains with location suffixes.
Priority order
Transfers → Confirmed Rules → High-confidence Learned → Keywords → Low-confidence Learned → Amount signal.
Bulk Auto-Categorise
Re-run auto-categorisation across all existing transactions. Skips transfers and transactions already matched by a confirmed rule.
Cash Flow Forecast
12-month projection using your actuals and prior-year patterns. Tweak with one-off or recurring adjustments.
Monthly Cash Flow
Insights
Forecast Adjustments
Override the baseline for specific months or add recurring income/expense changes.
Dashboard Layout
Choose which set of tiles your dashboard shows
Settings
Personalise your app, manage profiles and accounts
Quick Start Guide
Get up and running in 7 steps