You're not bad at money.
You're bad at budgets.
Rigid monthly budgets ignore how you actually spend. Ember compares this month to your own history — so “how am I doing?” finally has an honest answer.
The budget way
- Set 15 category limits you'll never remember
- Feel guilty the moment real life happens
- Abandon it by the second week
The Ember way
- Nothing to set up — Ember learns your patterns
- See pace vs. your own typical month, live
- One glance answers “am I okay this month?”
Pace-aware tracking
Measured against you — not a budget.
Forget arbitrary limits. Ember compares this month to your own typical month at the same point in the cycle — so you know whether you’re genuinely ahead, or just early in the fortnight.
- Live pace by category vs. your usual by-now
- Outlier months don’t poison your baseline
Look back · this month
You’re spending right around your usual.
day 9 of 14
$3,180 spent of $4,050day 9 of 14
The marker is where you usually are by this day of the month.
Ask Ember
Talk to your money.
Ask anything in plain English. Ember knows your history, your pace, and what’s coming — so it answers with real numbers, then acts on them. It’s a financial planner that lives in a chat box.
- “Can I afford this?” — answered against your real cash flow
- Turns a decision into a plan in one message
You're tracking $312 under your usual this month — nice and calm.
Can I book the Bali trip in September?
Looks doable. Flights + stay run ~$2,400. Set aside $400 a fortnight and you’ll have it by early September — still keeping a $500 buffer.
Do it — start the plan.
Done. Copilot will move $400 each payday into Japan 2026, and I’ll nudge you if anything slips.
Copilot planning
The month plans itself.
Ember looks at what’s coming — rent, bills, subscriptions, savings — and quietly sets it aside before you can spend it. What’s left is genuinely yours. Zero setup, zero maintenance.
- Forecasts every recurring charge and payday automatically
- Reserves money for future you, before it’s spent
- One honest number: what’s actually safe to spend
Look ahead · copilot
$84 a day is yours to spend.
14 days to payday · $6,200 in
Set aside for you
Manage your future
See where you’re heading — not just where you’ve been.
Most money apps are a rear-view mirror. Ember projects your balance forward through every bill and payday, so you can spot a tight week before it arrives and act while it still matters.
- Forward-looking balance, not last month’s report
- Plan trips, big buys and savings with confidence
Projected balance
Next 30 daysEvery upcoming bill and payday, mapped before it happens.
Intelligent nudges
It notices, so you don’t have to.
Ember watches the shape of your month in the background and speaks up only when it matters — a price hike, a forgotten subscription, a pace that’s about to bite. No noise, just the heads-up you’d have wanted.
- Catches subscription creep and surprise charges early
- Quiet by default — alerts only when it’s worth it
Ember noticed
Pulse
Pulse
Learns from history
Correct it once.
Never again.
Ember resolves every messy bank string to a real merchant the moment it lands. Get one wrong? A single tap teaches it — and that merchant is right forever, across every future charge.
- Your correction becomes a permanent rule, not a one-off
- Untangles PayPal, Afterpay, Square and bank noise
- No re-tagging the same merchant month after month
Every future charge from Hungry Jack's is now Eating Out — automatically.
Trust & privacy
Your money data, treated like it matters.
Open Banking, done right
Built on Australia’s Consumer Data Right — read-only access, granted by you, revocable any time.
Your data stays yours
Row-level security isolates every household. We never sell your data. Export or delete it whenever you like.
Australian to the core
AUD, local merchants, BNPL, and Australian tax language — not a US app with a currency toggle.
Read our Privacy Policy and CDR Policy.
Money that keeps pace with you.
Ember is in early access. Join the waitlist and we'll open your spot as we let more people in.