Money Tools & Resources I Use

What I use on a regular basis to manage my money and investing.

If you would like to know about what I invest in, then have a look at my portfolio page. 

Some links here may be affiliate links – meaning I could get a commission should you buy through them with no additional cost to you. 

Investing tools

If you have some leftover money every month and are looking to grow it these tools can all help.


Ready to ditch the spreadsheet?

See your returns in real time, chart performance vs benchmarks, or review your divideds all in the one place.

Also great for researching stocks and markets.

Stake stocks logo


If you are looking to buy individual stocks or ETFs then Stake is one of the cheapest and easiest platforms to use.

It's free to buy US stocks, plus only $3 to buy or sell ASX stocks. I love it.

spaceship referral code

Spaceship Voyager

Probably the hottest investing app at the moment.

Put your money into a managed fund that is "where the world is going". Full of tech stocks and up and comers, this app is easy to use, full of helpful content and performs well.

Receive an extra $10 when you add $5 to your new account, use the code S80GEABHE5 after signing up

raiz referral code


The original all in one investing app.

Use it to collect spare change or to build a fully capable investment portfolio.

There are different options depending on your risk tolerance, but it’s so simple you can set and forget.

Are you ready to start investing?

Join my easy-to-follow online course that gives you the skills, knowledge, and confidence to start investing in the stock market. 

Full of videos, articles, links, tutorials, presentations that's going to make investing in shares more achievable and easy to understand.

Budgeting tools & calculators

For when I want to do some maths. Like how much more I'll take home when my salary changes or what happens when I save more or which ETF is best for my needs.

Make sure you see my guide on budgeting which these tools all complement.

Screenshot of budget graph

MoneySmart Budget Planner

Input income and expenses, irrespective of if they are weekly monthly or yearly and it'll work out your end of month surplus or defecit. You can download as a spreadsheet to save and reference then at anytime.

Screenshot of Vanguard compare ETF tool

Vanguard Fund Compare Tool

Unexciting looking, but use to select funds or ETFs and compare side by side aspects such as cost, risk and return over time.

money tools - compound investment calculator

Compound interest calculator

You put in a starting amount, a recurring investment (if any), a rate of return and time frame. It’ll then tell you the total savings you accumulated over that time.

You can see the difference an extra $50 a month saved makes over 10 years or a change in % of return.

Screenshot of pay calculator

Pay Calculator

Get an idea of what your take home pay will be after tax.

You can work out what that new job or pay increase will actually mean to your back pocket.

You can also adjust your super, tweak your hours worked should a number of different scenarios be required.

Screenshot of salary sacrifice calculator

Salary sacrifice calc

You can determine for example how an extra $100 a week into your super pre tax might end up costing you (it would be less that the pre tax amount).


Banking is one area I find people either totally neglect or try and optimise every single week. Spend time setting it up, keep it simple and automate.

Read more on how I manage my family finances.

Ing banking app

Everyday banking – ING

Aa great app, good savings rates and fast transfer turnarounds. ING has one unique feature I love - You get ATM fees reimbursed straight away from ANY atm in Australia.
No matter if it costs $2 or $25, you get your money back straight away. No other bank does this (some reimburse you at the end of the month).

Home loan – Macquarie

In 2022 I bought a new house and we used Macquarie to help us finance.

It was a fantastic experience. Quick, efficient, all digital and the people were great.

On top of that the home loan product has a nice low rate. Can't complain.


Your best money tool is knowledge.You are lucky cause there are so many books out there on personal finance and investing .

I have a handful picked that I'd like to share. These are all fantastic reference guides that I keep on my bedside table for easy reach.


I Will Teach You To Be Rich

by Ramit Sethi

A structured guide to rebuilding and maximising your money tools and systems - including how to use credit cards, automation and investing.

Link to buy

Happy Money: The Science of Smarter Spending

Happy Money: The New Science of Smarter Spending

by Elizabeth Dunn, Michael Norton

Things don’t make you happy; experiences do. And the memories you make keep you happy.

Link to buy

one page financial plan

The One-Page Financial Plan: A Simple Way to Be Smart About Your Money

by Carl Richards

If you are looking to map out your financial future, this is your reference.

Link to buy

Blogs & Forums

I like to read up on finance through one way or another. Either on social media, forums, news sites or blogs. I get a better perspective learning from how others think about money.

Obviously you would have read all my articles before needing to visit any other site. 

ramit sethi

Ramit Sethi

He authors and has a fantastic site as well as Instagram and Twitter presence. A great influence on how I improved my money mindset and building a rich life.

whirlpool finance investing

Whirlpool Finance Forums

I love reading the different stories that get posted here. Most of it I take with a grain of salt but there are some great posts on investing, asset allocation, super and what not to do.

reddit ausfinance

A quick way to find articles users share on local finance news. Whether it be property or stock market, or how to construct a portfolio – it’s another good place to hear stories.

Anything I missed?

This is my own list of money tools and resources I use and like, so fair chance it won't match anyone elses.

Let me know if there is something I missed out or your recommend.

My best stories and tips on both money and investing.

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