Notes on money, property and privacy.

Practical guides and honest opinions on spending, offsets, tax and net worth, written for Australians. New articles land monthly.

How to export a CSV bank statement (selected banks)
Privacy·10 June 2026

How to export a CSV bank statement (selected banks)

A screenshot-by-screenshot guide to downloading your transactions as a CSV from selected Australian banks: CBA, NAB, HSBC, Amex, Wise and Revolut. And because Kleev reads your CSV right in the browser, you never hand over your bank login.

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By Kleev · 5 min read

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AI personal finance assistant vs spreadsheet: which should you actually run?
Spending·3 August 2026

AI personal finance assistant vs spreadsheet: which should you actually run?

A spreadsheet gives you total control and costs nothing but your time, which is exactly why most of them quietly die of unentered months. We compare what an AI finance assistant genuinely automates against what a spreadsheet still does better, including the parts of Kleev that are deliberately not automatic.

10 min readRead on
AI expense categorization app: what does it actually do with your bank descriptors?
Spending·3 August 2026

AI expense categorization app: what does it actually do with your bank descriptors?

Your bank writes "SQ *ARDONA CAFE BONDI" and your budget needs "coffee". Closing that gap is the whole job of an AI expense categorization app, and it is less glamorous and more interesting than the marketing suggests. We walk through how Kleev does it, layer by layer, including the deterministic rules that run before any model is involved.

12 min readRead on
AI subscription manager: how to track every bill and recurring charge in 2026
Spending·3 August 2026

AI subscription manager: how to track every bill and recurring charge in 2026

An AI subscription manager is really a detector: it reads your transaction history, works out which charges repeat, and tells you what they cost you a year. We explain how that detection works, why bills hide differently from subscriptions, and what an honest tool can and can't do once it has found them.

12 min readRead on
Automated zero-based budgeting: what software can and can't take off your hands
Goals·3 August 2026

Automated zero-based budgeting: what software can and can't take off your hands

Zero-based budgeting works because every dollar gets a job before you spend it. It fails because somebody has to keep the books. We trace the method from cash envelopes to spreadsheets to today's apps, and separate what automated zero-based budgeting genuinely removes from the part that is still your call.

12 min readRead on
How to choose multi-account wealth tracking software in Australia
Wealth·3 August 2026

How to choose multi-account wealth tracking software in Australia

Two banks, three cards, super, a brokerage account, an offset and maybe a rental: the more places your money sits, the more the tool choice matters. We set out the criteria that decide which multi-account wealth tracking software actually fits, how to test each one in an evening, and where different tools including Kleev genuinely do and don't work.

14 min readRead on
What is a HENRY? Earning six figures and still feeling broke in Australia
Wealth·1 August 2026

What is a HENRY? Earning six figures and still feeling broke in Australia

HENRY stands for high earner, not rich yet: strong income, thin balance sheet, and a nagging sense that the money should be going further. We look at where six figures actually goes in Australia, why income and wealth are different scoreboards, and what changes when someone finally acts as CFO of their own life.

8 min readRead on
Credit card sign-up bonuses: how to churn cards without tanking your credit score
Spending·31 July 2026

Credit card sign-up bonuses: how to churn cards without tanking your credit score

Churning runs on two records: the minimum spends you're tracking, and the credit file every application is written to. We explain how Australian credit scoring actually treats a run of card applications, what stays on your file and for how long, and the routine that banks the points without wrecking your score.

9 min readRead on
Your first investment property: what to start tracking from day one
Property·31 July 2026

Your first investment property: what to start tracking from day one

The habits you set in the first month of owning an investment property decide whether every following July is a read-off or a reconstruction. Here's the day-one checklist: the settlement documents to file, the loan details to record, and the six numbers worth tracking from the very first week.

8 min readRead on
Kleev vs PocketSmith vs WeMoney vs Frollo vs YNAB vs Billroo: which money app actually fits? (2026)
Spending·31 July 2026

Kleev vs PocketSmith vs WeMoney vs Frollo vs YNAB vs Billroo: which money app actually fits? (2026)

We put Kleev beside PocketSmith, WeMoney, Frollo, YNAB and Billroo on pricing, data method, property tools, privacy and platforms, as at July 2026. Every app gets an honest verdict on who it genuinely suits, including the cases where Kleev isn't the right pick.

13 min readRead on
Kleev vs PocketSmith: privacy and property depth, or feeds and forecasting?
Spending·31 July 2026

Kleev vs PocketSmith: privacy and property depth, or feeds and forecasting?

PocketSmith has spent 18 years building bank feeds and daily-balance forecasting that reaches decades ahead. Kleev skips the bank link entirely and goes deep on investment property. We compare data methods, budgeting, property tools and pricing as at July 2026, and tell you honestly which to choose.

9 min readRead on
Kleev vs WeMoney: debt payoff and credit scores, or privacy and property?
Spending·31 July 2026

Kleev vs WeMoney: debt payoff and credit scores, or privacy and property?

WeMoney has built Australia's social debt-payoff app: free credit scores, subscription detection and a community over a million downloads strong. Kleev tracks your money without ever linking a bank account, and models investment property properly. We compare both as at July 2026 and call the choice honestly.

9 min readRead on
Kleev vs Frollo: a genuinely free CDR app, or privacy-first with property depth?
Privacy·31 July 2026

Kleev vs Frollo: a genuinely free CDR app, or privacy-first with property depth?

Frollo's consumer app is free, ad-free and backed by one of Australia's most credentialed open-banking companies. Kleev skips bank connections entirely and goes deep on investment property. We compare data models, features and trade-offs as at July 2026, and say plainly who should pick which.

9 min readRead on
Kleev vs YNAB: the budgeting method, or the Australian tracker?
Spending·31 July 2026

Kleev vs YNAB: the budgeting method, or the Australian tracker?

YNAB owns zero-based budgeting: two decades of method, education and community that genuinely changes how people spend. But in Australia it runs on file imports, prices in US dollars and knows nothing about offsets or property. We compare it honestly with Kleev as at July 2026.

9 min readRead on
Kleev vs Billroo: simple AI budgeting, or privacy-first property depth?
Spending·31 July 2026

Kleev vs Billroo: simple AI budgeting, or privacy-first property depth?

Billroo brings friendly, AI-assisted budgeting with real CDR bank feeds at a sharp price, built by one of Australia's best-known finance creators. Kleev skips bank connections and goes deep on property, offsets and EOFY records. We compare both honestly as at July 2026.

8 min readRead on
PocketSmith vs WeMoney: which money app fits you in 2026?
Spending·31 July 2026

PocketSmith vs WeMoney: which money app fits you in 2026?

PocketSmith is an 18-year-old forecasting tool that projects your balances decades ahead. WeMoney is a free debt-payoff app with credit scores built in. We compare pricing, bank feeds, budgeting and privacy so you can pick the one that matches how you actually handle money.

8 min readRead on
PocketSmith vs Frollo: should you pay for depth or take the free feeds?
Spending·31 July 2026

PocketSmith vs Frollo: should you pay for depth or take the free feeds?

PocketSmith charges a subscription for calendar budgeting and decades-long forecasting. Frollo gives Australians genuinely free open-banking feeds from a company that powers banks. We compare what the money buys, what free really costs, and who each app suits.

8 min readRead on
PocketSmith vs YNAB: which budgeting app works better in Australia?
Spending·31 July 2026

PocketSmith vs YNAB: which budgeting app works better in Australia?

YNAB teaches the world's most devoted budgeting method; PocketSmith forecasts your balances decades ahead and, unlike YNAB, has real Australian bank feeds. We compare philosophy, feeds, pricing in actual dollars and the day-to-day experience for Australians.

8 min readRead on
PocketSmith vs Billroo: an 18-year veteran against an AI newcomer
Spending·31 July 2026

PocketSmith vs Billroo: an 18-year veteran against an AI newcomer

PocketSmith has spent 18 years refining feeds, budgets and forecasting. Billroo launched in 2024 with open banking, AI spending insights and one of the strongest iOS ratings in Australian finance. We compare the two on maturity, features and price.

8 min readRead on
WeMoney vs Frollo: which free Australian money app deserves your accounts?
Spending·31 July 2026

WeMoney vs Frollo: which free Australian money app deserves your accounts?

Both apps track your money for free with real open-banking feeds. WeMoney funds itself with ads and partner offers and focuses on debt payoff; Frollo charges nothing at all and stores CDR data in Australia. We compare what free means at each.

8 min readRead on
WeMoney vs YNAB: which approach actually changes your money habits?
Spending·31 July 2026

WeMoney vs YNAB: which approach actually changes your money habits?

WeMoney motivates with credit scores, community and automatic feeds; YNAB retrains you with the strictest budgeting method in software. WeMoney is free and Australian, and YNAB costs US$109 a year and runs on file imports here. We compare which one is more likely to change how you handle money.

8 min readRead on
WeMoney vs Billroo: how the two young Australian money apps compare
Spending·31 July 2026

WeMoney vs Billroo: how the two young Australian money apps compare

Both were built in Australia this decade and both run open-banking feeds, and they still make opposite choices. WeMoney is free with ads and has credit scores; Billroo is paid-only and has AI insights and a couples tier. We compare the two on the things that genuinely differ.

8 min readRead on
Frollo vs YNAB: free bank feeds or the best budgeting method?
Spending·31 July 2026

Frollo vs YNAB: free bank feeds or the best budgeting method?

Frollo gives Australians genuinely free CDR bank feeds with locally stored data; YNAB charges US$109 a year for the most disciplined budgeting method in software, and runs on file imports here. We compare the feeds, the method and what each one costs.

8 min readRead on
Frollo vs Billroo: what do you get for free, and what does $9.99 buy?
Spending·31 July 2026

Frollo vs Billroo: what do you get for free, and what does $9.99 buy?

Frollo and Billroo are both Australian and both use CDR-accredited feeds. Frollo charges nothing and sells to banks instead; Billroo charges A$9.99 a month and sells AI-assisted budgeting to you. We compare what each one delivers day to day.

8 min readRead on
YNAB vs Billroo: strict method or AI assistance for your budget?
Spending·31 July 2026

YNAB vs Billroo: strict method or AI assistance for your budget?

YNAB asks you to give every dollar a job and changes how you spend; Billroo connects your Australian banks and lets AI do the noticing. YNAB has twenty years of method and no local feeds, and Billroo has local feeds and a product barely two years old. We compare the two.

8 min readRead on
How to manage money as a couple without a joint account
Spending·30 July 2026

How to manage money as a couple without a joint account

Plenty of couples never merge their banking, and they're not doing it wrong. We walk through the set-ups that work, from a shared pot fed by auto-transfers to a designated shared card, why the 50/50-and-hope approach quietly breaks, and how to see your combined spending when every app assumes you're one person.

8 min readRead on
What is a good LVR? And what to do when yours creeps up
Property·30 July 2026

What is a good LVR? And what to do when yours creeps up

LVR is your loan divided by your property's value, and the 80% line is where Australian lending changes gear: below it you avoid lenders mortgage insurance, above it borrowing gets expensive. We explain the ratio, what quietly pushes it up, and the numbers to watch if yours is heading the wrong way.

9 min readRead on
The EOFY checklist for people with a job, a side hustle and an investment property
Wealth·30 July 2026

The EOFY checklist for people with a job, a side hustle and an investment property

Three income streams means three sets of records, and July rewards the people who gathered them early. Here's the checklist: what to collect for your salary, your side hustle and your rental, the ATO dates that actually matter, and how to hand your tax agent an organised year instead of a shoebox.

10 min readRead on
How to find and cancel unused subscriptions in Australia
Spending·29 July 2026

How to find and cancel unused subscriptions in Australia

Forgotten subscriptions hide in plain sight on your bank statements: the January gym, the trial that quietly converted, the streaming service nobody watched since the show ended. We show you how to find every recurring charge you're paying, and the fastest honest route to cancelling the ones you don't want.

8 min readRead on
Negative gearing with real numbers: what your property actually costs you per week
Property·29 July 2026

Negative gearing with real numbers: what your property actually costs you per week

A negatively geared property has a real weekly price, and most owners have never calculated it. We build one worked example from rent to tax refund: $188 a week before tax, about $55 a week after. Every step of the arithmetic is shown so you can run your own numbers.

9 min readRead on
How much should you have saved by 30 in Australia?
Wealth·29 July 2026

How much should you have saved by 30 in Australia?

There is no official Australian answer, and most articles quoting one are guessing. Here's what the data actually says: the ABS's household wealth and super figures for your age group, why the averages mislead, and why your savings pace matters more than any benchmark that was never written for you.

8 min readRead on
What happened to Pocketbook? Alternatives for Australians
Spending·28 July 2026

What happened to Pocketbook? Alternatives for Australians

Pocketbook, one of Australia's best-loved budgeting apps, announced its closure in July 2022 and shut the following month. Years on, people still search for it. We explain what happened and give honest one-paragraph takes on the real alternatives, from PocketSmith and WeMoney to a plain spreadsheet.

8 min readRead on
How to track investment property expenses for tax time
Property·28 July 2026

How to track investment property expenses for tax time

The ATO sorts rental expenses into three buckets: deductible now, deductible over several years, and never deductible. Track each cost in the right bucket as it lands and July becomes a read-off instead of a reconstruction. We cover the categories, the records to keep, and the capital-versus-revenue line that trips people up.

10 min readRead on
Does the 50/30/20 budget survive Sydney rent? An Australian reality check
Goals·28 July 2026

Does the 50/30/20 budget survive Sydney rent? An Australian reality check

The 50/30/20 rule says needs take half your take-home pay. We ran the actual arithmetic against SQM Research's Sydney rents and ABS earnings data, and on a single average income the rent alone swallows almost the entire needs bucket. Here's the maths, where the rule breaks, and what to flex instead of giving up on budgeting.

9 min readRead on
Is it safe to link your bank account to a budgeting app in Australia?
Privacy·27 July 2026

Is it safe to link your bank account to a budgeting app in Australia?

Mostly yes, if the app uses Australia's regulated Consumer Data Right, and mostly no if it asks for your actual internet banking password. We explain how accredited open banking feeds work, what screen scraping is, and why Kleev chose a third route that sidesteps the question entirely.

8 min readRead on
Investment property spreadsheet vs app: what to track and where spreadsheets break
Property·27 July 2026

Investment property spreadsheet vs app: what to track and where spreadsheets break

A spreadsheet is genuinely fine for your first property, and we'll happily tell you when it is. It breaks in three predictable places: retyping statements every month, modelling an offset's daily interest, and forecasting years ahead. Here's what to track either way, and how to tell when you've outgrown the grid.

9 min readRead on
How to calculate your net worth (and what counts) in Australia
Wealth·27 July 2026

How to calculate your net worth (and what counts) in Australia

Add up what you own, subtract what you owe, and be honest about the awkward middle: super you can't touch yet, a HECS debt that grows by indexation, a property value that's really a guess, and a car that loses money while it sits in the driveway. We walk through what counts, at what value, and how to keep the number honest.

9 min readRead on
How to track your spending without linking your bank account
Privacy·26 July 2026

How to track your spending without linking your bank account

You can see your whole spending picture without giving any app your bank login or a live feed into your accounts. We walk through the CSV route: export your transactions from your own bank, drop the file into Kleev, and keep your credentials to yourself.

7 min readRead on
How much does money in an offset account actually save you?
Property·26 July 2026

How much does money in an offset account actually save you?

Put $50,000 in an offset against a $600,000 loan at an example 6% rate and you save about $8.22 a day, $250 a month, $3,000 a year. Leave it there and the savings compound into six figures. We show the arithmetic, step by step, so you can run it on your own numbers.

9 min readRead on
How to export your Wise transactions as a CSV
Spending·25 July 2026

How to export your Wise transactions as a CSV

Wise buries its CSV export under Statements and reports, one currency balance at a time. We walk through the path, explain the file-type list (including the formats you can safely ignore), and cover business accounts and older periods.

4 min readRead on
How to export your Revolut transactions as a CSV
Spending·24 July 2026

How to export your Revolut transactions as a CSV

Revolut exports a statement as a CSV in a couple of clicks, from the web app or your phone. We cover why the CSV hides behind an option labelled Excel, how multi-currency accounts export, and what lands in Kleev afterwards.

4 min readRead on
How to export your Amex transactions as a CSV
Spending·23 July 2026

How to export your Amex transactions as a CSV

American Express exports your card transactions as a CSV from Statements & Activity, either by billing period or across a custom date range. We cover the download dialog, why Amex writes charges as positive numbers, and how the file reads in Kleev.

4 min readRead on
How to export your HSBC transactions as a CSV
Spending·22 July 2026

How to export your HSBC transactions as a CSV

HSBC's online banking exports recent transactions as a CSV, but only a short window of them. We cover the download dialog and its oddly named CSV option, the 90-day limit, and how to turn older e-statement PDFs into a file you can actually use.

4 min readRead on
How to export your NAB transactions as a CSV
Spending·21 July 2026

How to export your NAB transactions as a CSV

NAB's internet banking exports your transaction history as a CSV, including a seven-year option most people never notice. We walk through the click path, the date-range filters, the app's limits, and how the file lands in Kleev.

4 min readRead on
How to export your CommBank transactions as a CSV
Spending·20 July 2026

How to export your CommBank transactions as a CSV

Download your Commonwealth Bank transactions as a CSV from NetBank in about a minute, then read them in Kleev. We cover the export button, how far back NetBank goes, why CommBank's file has no header row, and what to do when all you have is a PDF statement.

4 min readRead on
Every Aussie's 2026 gameplan to maximise tax refund
Wealth·16 July 2026

Every Aussie's 2026 gameplan to maximise tax refund

Claim everything you're legally entitled to this EOFY, and nothing you're not. We walk through the work-related deductions most Australians overlook, the method choices that change your refund (working from home, car expenses), donations, property deductions, and the record keeping that holds it all together. General information only, not tax advice.

11 min readRead on
Which property expenses are tax-deductible? An investor's checklist (Australia)
Property·16 June 2026

Which property expenses are tax-deductible? An investor's checklist (Australia)

The deductible list is the easy part. Most over-claiming isn't fraud, it's honest confusion between a repair and an improvement, or revenue and capital. Here's the clean checklist of what you can claim now, the costs the ATO keeps catching investors on, and how to keep records tidy so EOFY is straightforward.

10 min readRead on
Negative gearing, explained (Australia)
Property·15 June 2026

Negative gearing, explained (Australia)

It lets property investors deduct a rental loss against their wages, and after a decade of debate, the 2026–27 Budget has finally moved to wind it back for established homes. Our view: that's good news for first-home buyers and a genuine headwind for new investors. Here's what it actually does, and what the proposed change would mean.

9 min readRead on
Offset account vs. paying down your loan
Property·14 June 2026

Offset account vs. paying down your loan

They save the exact same interest, so the question isn't which is cheaper, it's which leaves you better off. Our view: the offset wins almost every time, and the tax reason alone should settle most arguments.

8 min readRead on

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Kleev provides budgeting and money-tracking tools for general information and educational purposes only. It describes your own data and does not take into account your personal circumstances, and is not financial, tax or investment advice. Insights generated by Kleev AI are general in nature: confirm the figures and consider professional advice before acting on them.

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