Ahead.money
Private beta. Australia first. · Get on the list →

See your money
ahead of time.

Ahead identifies your income and expenses, projects them months ahead, and lets you layer the what-ifs over the top. The future of your money. Visible.

Get Ahead Money How it works

Read-only bank access via Australia's Consumer Data Right (CDR). No card required.

Forecast · 12 months

Today

$18,400

12 month projection

$23,980

Net change

↑ $5,580

$26.0k$23.0k$19.9k$16.9kMayJunJulAugSepOctNovDecJanFebMarAprToday$24.0k

What if. Tap to layer.

Demo data. Real forecasts use your verified bank account history.

How we plan to build

Forward looking by default ● Calm, not loud ● Read only by design ● Australia first ● Your data, your call ● No ads. No data brokers. ● Independent ●
Forward looking by default ● Calm, not loud ● Read only by design ● Australia first ● Your data, your call ● No ads. No data brokers. ● Independent ●

The problem

Every other money app looks backwards.

They categorise what you've already spent and tell you if you stayed within a limit. That's useful, but it doesn't answer the questions you actually lose sleep over.

Can I afford this trip in March without dipping into savings?

Layer the spend onto your forecast. Watch your balance bend. See the moment of impact.

If I take this job offer at a pay cut, when do I run into trouble?

Replace your income line. Ahead recalculates your runway. Months, not maybes.

What happens to my position if rates rise another 0.5%?

Switch on the rate scenario. See exactly which months change, and by how much.

If I keep saving at this rate, when do I hit my deposit goal?

Set the goal. Ahead shows the date, and the savings rate that gets you there sooner.

The forecast

A live picture
of where you're going.

Ahead watches your actual income, bills, and spending, then projects forward. Your bank balance, every account, every week, twelve months ahead.

  • Recurring detection. Salary, rent, mortgage, streaming. Automatically recognised and forecast.
  • Probabilistic ranges. See the most likely path, and the realistic high and low.
  • Account by account. Everyday spending, savings, mortgage, super. Projected separately, summed cleanly.
  • Liquidity view. What's actually available now, in two weeks, in two months. Not just net worth.

Projected · 90 days

↑ 6.3%

$21,660

Bills next 30d

$3,840

11 recurring · 2 detected this month

Spare cash, weekly

$420

After bills · before discretionary

Deposit goal · $80,000

ETA Mar 2028
$33,800 saved at current rate

Scenario stack

Holiday in Japan, March

−$4,200 across 3 weeks

Switch jobs, +$1,200/mo

Starts month 3

Another kid, +$1,400/mo

Daycare and the rest

Save $500/mo more

Auto sweep on payday

Sell old car, +$14,000 once

Apr 2026

12-month outcome

$26,840

↑ $2,860 vs baseline

Scenario modelling

Layer the life moves
you're thinking about.

New job. New baby. New car. A rate rise. A long holiday. Stack any combination and Ahead recalculates the whole forecast instantly, showing you the moments that matter.

  • One-off events. Big trip, tax refund, car sale, surgery, wedding
  • Recurring changes. Income, rent, subscriptions, mortgage rate
  • Goal targets. Deposit, emergency fund, debt payoff, sabbatical
  • Compare side by side. See two futures next to each other. Pick the one you want

How it works

Identify. Project. Layer scenarios.

The whole product, in three steps.

01

Identify

Connect your accounts. Ahead identifies your real income and your real expenses, automatically, across every account you bank with.

02

Project

Roll them forward. Ahead extends income and expenses into the future, twelve months ahead, balance by balance, week by week.

03

Layer scenarios

Stack what-ifs on top. A new car. Another kid. A pay rise. A holiday. Watch the curve bend in real time.

Where Ahead fits

Not another budgeting app.

Capability Tracker apps Ahead
Categorises past spend ✓
Projects forward 12 months ·
What-if scenario stacking ·
Probabilistic balance ranges ·
Connects to AU CDR accounts some
Multi-account liquidity view partial
Goal ETA with live recalculation ·

Security & trust

Regulated. Read-only.
Built for trust.

Ahead never sees your bank password. We connect through Australia's regulated Consumer Data Right (CDR) framework, the same rails the banks themselves use.

CDR-accredited

Connections via a CDR-accredited intermediary. Australia's open-banking regime, 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.

Bank-grade encryption

Data encrypted in transit and at rest. Tokens rotated. Strict tenant isolation per account.

Revoke anytime

Disconnect a bank in one tap. Your data is purged on request. Your account, your call.

Architecture is designed for multi-region expansion (UK, EU, US, Canada) and multi-language support.

Where we are

Pre-launch. Get in early.

We're finalising MVP scope and selecting our open-banking partner. Private beta opens to a small group later this year.

  1. Now Live

    Foundations

    Brand, infrastructure, security architecture, CDR partner selection.

  2. Q3 2026

    MVP

    Multi-account aggregation, recurring detection, forward projection, first scenarios.

  3. Q4 2026

    Private beta

    Small group of users. Feedback shapes the next twelve months. (You can join.)

  4. 2027

    Public launch · AU

    Goals, advanced scenarios, mobile + web companion. Subscription opens.

  5. 2027 →

    Global

    UK, EU, US, Canada via accredited open banking partners. Multi-language interface.

Stop guessing. Start seeing.

Private beta is small and curated. Tell us a little about yourself and we'll be in touch.

Get Ahead Money See pricing