Home Money Manager Home Money Manager
Mortgage Audit Software

Mortgage Checker & Personal Finance App, 100% Australian Made, Owned & Loved

Looking for the perfect app to help control your spending, track your investor buckets and stay on top of your mortgage?

Need to take control of your mortgage interest rates and cost of living pressures?

Want to check your mortgage for hidden bank errors?

Then let me introduce you to...
The Mortgage Checker & Personal Finance App for the Australian homeowner, by HomeMoneyManager .
Crush Your Mortgage

Crush Your Mortgage

Pay Down Debt

Pay Down Debt

Beat Cost of Living

Beat the Cost of Living

Check for Bank Errors

Check for Bank Errors

Get the app that will take the stress out of your finances, no matter where you are starting from.
Australian All Devices Mortgage Software

MoneyFormula in Action - Bob & Jill Save $73,477

Within ten minutes of using MoneyFormula Bob & Jill discovered they could beat their mortgage and crush their credit card debt, saving them $73,477.85, just by allocating $50 a month to their wealth goals bucket and using the default MyMoneyFormula™ settings.

They also discovered an $11,271.03 error in their mortgage where the bank had forgotten to apply a 1.00% discount they had been promised.

Home Money Manager

Since 2004 Home Money Manager has been developing software to help Australian homeowners, property investors and individuals manage their finances and take control of their debt.

Our products are designed and build right here in Australia and we are best known for Money Formula, Home Loan Manager Pro and Home Credit Card Manager Lite.

The Perfect Gift For Your Clients

If you run an Australian business and you are looking for:
Mortgage Audit Software
The perfect settlement gift for your clients.
Mortgage Audit Software
A value-add to compliment your service or product.
Mortgage Audit Software
An extra way to entice clients to your seminars or one-on-one meetings.
Mortgage Audit Software
Something to revamp your direct marketing and social media campaigns.

... then contact us today and find out how easy and affordable it is to reward each of your clients with MoneyFormula, the Australian mortgage & personal finance app.

Other Home Money Manager Software Products

As well as the mortgage & personal finance app, we also offer ...

Home Loan Manager Pro

The Mortgage Checker and Planning Tool
With this mortgage software you can track, plan and manage all aspects of your mortgage, check the accuracy of your interest charges, and discover how to pay off your mortgage sooner.

Home Credit Card Manager Lite

The Credit Card Expense Manager
With this credit card software you can find out exactly where your hard-earned money is being spent. Simply match your credit card statement transactions to the categories provided, then use the reports to group and sort the information.

Home Money Manager Bundle

The Complete Homeowner Package
With this bundled product you get the mortgage software and the credit card software for the one low discounted price.

Home Money Manager - Customer Feedback

Read how satisfied clients tell us they have beaten the banks:

Used for Past 6 Years to Manage a Family Loan...

"I have used the Home Loan Manager program of Home Money Manager for the past 6 years to manage a family loan. I have found it very helpful. The after sales service during all that time has been exceptional."
5* Google Review
Julienne Kamprad, Australia

I'd Be Lost Without It...

"I've been using HomeCreditCardMangerLite now for a number of years. It means I can keep right on top of where my money's being spent. I'd be lost without it. I run the software on a MacBookPro and it has been very reliable. On the rare occasion when I've had to contact the support team for some advice, they have been very prompt and helpful. I would definitely recommend you check them out."
5* Google Review
Alan Blasbery, Australia

I Am Glad I Bought This Product Over Any Other Brand...

"Hi Matthew, Thank you, thank you, thank you, so much. I got the St George transactions to import without a problem ... It is so easy when one does it right. It is so good to know that I have back up support should I get stuck with anything on the Home Loan Manager Pro, I am glad I bought this product over any other brand."
Home Money Manager Testimonial
Janniece F, NSW, Australia

Very Impressed...

"I feel that anyone with a mortgage should be using this software."
Home Money Manager Testimonial
Phillip W, North Lakes, QLD

A Miscalculation on the Banking System Can End up Costing Thousands...

"I have been using Home loan Manager Pro since 2013 and have been very happy with the functionality and support of the product. The ability to independantly validate and verify the banking home loan interest calculation using this product is worth the purchase price, as a miscalculation on the banking system can end up costing thousands over the life of the loan.

Recently I upgraded my computer and had difficulty re-installing the program. Matthew immediately responded with support instructions and provided my original licensed key which saved me having to go back through my emails to locate. I definitely recommend this product to people who want to ensure that one of the biggest expenses is not costing anymore than it should and this product does exactly that."
5* Google Review
Nathan Hines, Australia

I Was Always Wondering If the Banks Were Charging Too Much Interest...

"I have been using Home Loan Manager Pro for a very long time. I was always wondering if the banks were charging too much interest and this program is perfect to keep them honest. There are many other benefits when using this program and I highly recommend this to anyone."
5* Google Review
Darren Gwynne, Australia

"This mortgage software guaranteed to show you how to cut years off your mortgage and save thousands in interest charges"

Love The Service...

"I am just writing to say how impressed I am at both the speed and quality of the response to my email. I work for a large software company and I know that our customers would love to receive this level of service."
Home Money Manager Testimonial
Trevor H, Prahran, Australia

"Instantly see the impact of interest rate changes on your mortgage repayments, simply click the interest rate rise report"

Very Good And Easy To Use...

"I found the software to be very good and easy to use. It did prove useful in checking a particular situation I had and provided me with the results I was looking for."
Home Money Manager Testimonial
Norman B, Dublin, SA, Australia

"Use this mortgage checker to protect your mortgage and loans from bank errors and interest overcharging"

A Total Difference of $778.04...

"I checked out all the figures again. The errors that happen from 2011 onwards are because when the building society added my 'lost' payments they did not make any attempt to correct the interest. Payments and lost interest makes a total difference of $778.04. I now feel confident to approach the building society and request that they amend it. Once again, Thank You Very Much :-)"
Home Money Manager Testimonial
Michelle G, WA, Australia

This Is Genuinely How I Feel About the Product...

"I have been a user of the Home Money Manager software now for over 7 years, and absolutely love the program! Prior to installing this program, I had looked at a variety of other options, but none met my needs like this one did. It's simple to set up, easy to use and super reliable. Alongside this, the customer service is awesome - it's responsive and personal and is a great match for a great software product. Highly recommended. This is genuinely how I feel about the product and your service ... Thank you Matthew and team."
Home Money Manager Testimonial
Angela P, Queensland

"Make sure you are not paying for your lender's mistakes! Download the free trial to audit your mortgage today with this mortgage watch software"

Happy to Recommend it to Family and Friends...

"I find the mortgage software to be excellent and will continue to use it and would be happy to recommend it to family and friends."
Home Money Manager Testimonial
Barry K, Adelaide, Australia

It's A Real Time Saver...

"Great interest checker program. Very pleased with it - particularly the Auto-Matching / Learning feature, it's a real time saver. I installed the software and trialled it quite satisfactorily without reading the manual, which I find a good preliminary test."
Home Money Manager Testimonial
Richard J, Rose Park, Australia

"Discover the true cost of your loans and mortgage, by running the mortgage summary reports"

Thank You For a Brilliant Programme!

"I saw the segment on Today Tonight this week in relation to your product for Home Loan Manager Pro. Thank you for a brilliant programme - I have had issues with a bank before and think that a programme like yours is necessary."
Home Money Manager Testimonial
Lynn L, Buderim, QLD, Australia

"This mortgage audit software works with loans from all major Australian banks, credit unions and lenders, including the Commonwealth Bank, NAB, ANZ, Westpac, St George Bank, RAMS, ING, BankWest, Aussie Home Loans, Suncorp , Adelaide Bank, Bank of Queensland, Wizard Home Loans and many more."

Easy To Use...

"I searched the net for this kind of application and decided upon your product. It does exactly what I require and I found it intuitive & easy to use - thankfully! So far no errors have been detected on my mortgage; great product..."
Home Money Manager Testimonial
Paul, Adelaide, Australia

The After Sales Help Has Been Excellent, Highly Recommended...

"I have been using Home Loan Manager Pro for a very long time. I have found it very useful to keep an eye on the bank interest, project interest rises etc. The after sales help has been excellent, highly recommended."
5* Google Review
RR, Australia

Read more home loan interest checker success stories.

Are you a Barefoot Investor?

Take your barefoot investing to the next level with the MoneyFormula App and track your barefoot investor Fire Extinguisher, Smile, Splurge and Daily Expenses bank accounts and discover the easy way to manage your Blow, Mojo and Grow buckets.

See your fire extinguisher come to life as you pick your goals and MoneyFormula lines them up to show you exactly when each goal will finish based on your current settings.

You can even tweak the debt strategies as you Domino Your Debts to see which ones work for you; and you can pick from the different payout options to really crush your mortgage and get the bank off your back.

The following article series will show you how to use the MoneyFormula App on your barefoot investor journey.

Article Series: Taking Your Barefoot Investor Buckets to the Next Level

OVERVIEW - The Barefoot Investor + MoneyFormula App
PART 1 - Setting Up Your Barefoot Investor Buckets
PART 2 - Your Barefoot Mojo and Grow Buckets
PART 3 - Your Budget and Spending Review
PART 4 - Your Barefoot Fire Extinguisher Goals

Do you prefer She's on the Money?

If you have moved on from The Barefoot Investor and now prefer V's (Victoria Devine) She's on the Money approach to finances then you are in luck.

Check out this She's on the Money + MoneyFormula App overview for all the details on how to ditch the budget spreadsheets and manual tasks; and use the MoneyFormula app to whip your She's on the Money finances into shape.

It includes everything from setting up your cash hub, cash flow plan and "the only six bank account you need" through to your fastest bank audit EVER using the MoneyFormula app Import and Category AutoMatcher tools (which do all the heavy lifting for you!).

Article Series: Level up your She's on the Money journey with the MoneyFormula app!

OVERVIEW - She's on the Money + MoneyFormula App
PART 1 - She's on the Money Accounts and Cash Flow Plan
PART 2 - She's on the Money Budget and Bank Account Audit
PART 3 - She's on the Money Net Worth and Wealth View
PART 4 - She's on the Money Emergency Fund
PART 5 - She's on the Money Long-Term Savings and Goals

Pay Off Your Mortgage Faster

Looking to pay off your mortgage faster? The following five simple steps could be all you need:

  1. Have a Plan
  2. Check for Errors
  3. Make informed Decissions
  4. Stay Motivated
  5. Keep Accurate Records

Get all the details from www.payoffyourmortgage.com.au

Bank Mistakes

Today Tonight - Bank Mistakes

"Bank's errors are now known to add up to hundreds of millions of dollars every year. Now there is help, a computer program that can check your monthly statements and find the mistakes."
- Today Tonight (Bank Mistakes)
Want to find answers to these common bank mistake questions?

  1. Which Bank Mistakes Software Should I Use?
  2. Why Check For Bank Mistakes?
  3. What If I Find A Bank Mistake?
  4. How Often Do Bank Mistakes Happen?
  5. What Type Of Bank Mistake Occur?

Visit www.bankmistakes.com.au for more information on bank mistakes ...

Mortgage Audit Software - Ranked #1

Get the #1 Ranked mortgage audit software and check that you are not one of the thousands being overcharged EVERY DAY?   Download and try it free now.


The Mortgage Checker & Personal Finance App for the Australian homeowner, by HomeMoneyManager - Let it take the stress out of your finances, no matter where you are starting from.
Australian All Devices Mortgage Audit Software