See your money
ahead of time.
Ahead answers one question: can you afford what's coming? It forecasts your real income, bills and estimated tax on the accounts you already have. No new bank, no rerouting your pay.
Read-only bank access via Australia's Consumer Data Right (CDR), powered by Fiskil.
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 whether you can afford what's coming, or whether enough is set aside for the next BAS. Ahead looks forward. You ask a question and see the answer worked through on your own numbers.
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.
Am I putting enough aside for tax?
Ahead shows your estimated sole-trader tax position as you earn, how your set-aside is tracking, and a weekly figure that would close the gap. All estimates, from your own data.
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, side by side, so you can see each path before you choose.
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's actually safe to spend this week?
Every time you open the app, the first thing you see is the verdict: whether you can afford what's coming, and your cash on hand against the warning line you set.
What Ahead is
What you actually get.
Ask it
in plain English.
Type a what-if like “what if rates rise 1%?” or “can we afford a baby in 18 months?” and watch the forecast redraw with the change in place. Flip scenarios on and off as often as you like.
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.
Tax-aware.
Built for how money works here: your mortgage and offset, your HECS, your BAS and PAYG dates on the forecast, with the tax you'd want set aside shown as an estimate you can adjust.
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, bills and estimated tax forward, up to twelve months, so you can see your balance day by day.
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
From $16.58 a month.
Cancel in two taps.
One plan. $199 a year, which works out to $16.58 a month, or $25 month to month. No trial and no lock-in. We only make money if you keep paying, and you'll only keep paying if it's worth it.
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.