Know what is safe to spend before you spend it.
Turnwise Money helps individuals, couples, and families plan bills, debts, savings and everyday spending around real cash flow.
Your bank balance does not tell the full story.
You may have money in your account today, but bills, debt payments, savings and upcoming costs may already be spoken for. Turnwise Money helps you see what is really available before you spend.
Built around real cash flow
Cash flow calendar
See income, bills, debts, savings, and planned spending by date.
Safe-to-spend number
Know what is actually available after committed payments and your buffer.
Bills and payday planning
Plan from payday to payday instead of guessing month by month.
Savings pots
Track pots for bills, emergencies, holidays, Christmas and custom goals.
Can I afford this?
Check how a new purchase would affect your cash flow before you commit.
How it works
Add your income, payday, bills, debts and savings goals.
Turnwise Money builds your cash flow plan.
See what is safe to spend and what needs attention.
Who it's for
Turnwise Money helps you organise and plan your money. It does not provide regulated financial advice, investment advice, credit advice, or banking services.