See your money
ahead of time.
Ahead is an AI money coach for Australian homeowners. You connect your bank, read-only, ask it whatever's on your mind, and get back a straight answer you can act on.
Read-only bank access via Australia's Consumer Data Right (CDR). Free to start.
Today
$18,400
8 months ahead
$22.3k
Net change
↑ $3,910
Ask a what-if
Illustrative. Real forecasts use your verified bank account history.
A look inside
Designed to be lived in.
This is the actual app. It's dark by default, and every number in it is your own.
Swipe to explore →
The problem
Every other money app
looks backwards.
They sort what you've already spent and tell you if you went over. That's fine as far as it goes. But it won't tell you what happens if rates go up, and a financial planner wants $2,000 before they'll talk to you. Ahead sits in the middle. You ask it a question and it gives you a plan.
What happens to my mortgage if rates rise 1%?
Turn on the rate scenario and Ahead shows which months get tight, and by how much, using your actual repayments.
If my partner goes part-time, when does it bite?
Lower their income and Ahead works out how long your money lasts, and when it starts to pinch.
Spare cash into the offset, or the deposit?
Ahead runs both with your numbers and tells you which one leaves you better off.
Could we afford a second kid in 18 months?
Add daycare and a year on a lower income, and see how it plays out before you commit.
What Ahead is
What you actually get.
Plans,
not charts.
Ask it anything and you get back a plan you can act on. Things like “what if rates rise 1%?”, “can we afford a baby in 18 months?”, or “should I pay off my HECS or save for the deposit?”
Your real
bank data.
You connect once, read-only. Fiskil, an ACCC-accredited CDR principal, collects your bank data under Australia's CDR and shares it with us as its CDR Representative. We can't touch your money, and your data stays in Australia.
Australian.
In your pocket.
Built for how money works here: your mortgage, your super, your HECS. It lives on your phone, so there's no spreadsheet to keep up and nothing to log into on a laptop.
How it works
Identify. Project. Layer scenarios.
The whole product, in three steps.
Identify
Connect your accounts and Ahead works out your real income and expenses on its own, across every bank you use.
Project
Ahead rolls your income and expenses forward, up to twelve months, so you can see each balance week by week.
Layer scenarios
Add what-ifs on top, like a new car, another kid, a pay rise or a holiday, and the forecast updates as you go.
Where Ahead fits
Not another budgeting app.
Security & trust
Consent-first. Read-only.
Built for trust.
Ahead never sees your bank password. Your bank data is shared, read-only, through Australia's Consumer Data Right (CDR), and collected on our behalf by Fiskil, an accredited CDR principal.
CDR access
Ahead is a CDR Representative of Fiskil, an ACCC-accredited CDR principal. Fiskil collects and discloses your bank data under Australia's CDR, regulated by the ACCC.
Read-only access
Ahead can see your transactions and balances. It cannot move money, change settings, or sign you up to anything.
Hosted in Australia
Your data is stored in Sydney and never leaves the country. Encrypted in transit and at rest.
Revoke anytime
Disconnect a bank in one tap. Your data is purged on request. Your account, your call.
Pricing
$19.99 a month.
Cancel in two taps.
Start free. If you want more, it's $19.99 a month or $199 a year, with a 14-day trial first. We only make money if you keep paying, and you'll only keep paying if Ahead saves you more than it costs.
What you can count on
- Your bank data is shared read-only under Australia's Consumer Data Right (CDR).
- Ahead is a CDR Representative of Fiskil, an ACCC-accredited CDR principal.
- Hosted in Australia (Sydney). Your data never leaves the country.
- We can't touch your money.
- Revoke your consent in two taps. Cancel your subscription in two taps.
- No ads. No data sold to anyone.
Stop guessing.
Start planning. Built around your real bank accounts, in plain Australian English.