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Budgeting for people who hate budgeting.
No spreadsheets, no jargon. Give every goal its own pot, watch it fill, and let the AI do the thinking.
SinkWise gives every big, irregular expense — car rego, insurance, holidays, Christmas — its own savings pot you fund a little at a time, so the money's already there when the bill lands.
No spreadsheets, no jargon. Give every goal its own pot, watch it fill, and let the AI do the thinking.
A sinking fund is money you set aside a little at a time for a specific expense you already know is coming — a holiday, car rego, insurance, Christmas, a new laptop. Instead of getting blindsided when a big bill lands and reaching for a credit card, you've quietly been filling that pot for weeks or months. So when the bill arrives, the money's already there.
A $1,200 car rego bill lands out of nowhere. You scramble — dip into savings, or put it on a card and pay it off with interest.
You quietly set aside $100 a month across the year. When the $1,200 bill lands, it's already covered — no stress, no debt.
Name it, set a goal amount, and pick a target date. Travel, tech, emergencies — one dedicated fund per goal keeps your money intentional and your mind clear.
Every time you save, record it. SinkWise shows your real-time progress and tells you exactly how much you need per day, week, or month to stay on track.
Watch the progress ring fill. Premium users get AI Insights that flag if you're falling behind — with health scores, risk analysis, and forecasts — before it's ever too late.
You're saving for a $3,200 trip in March — but your $940 car rego lands the same fortnight. AI Insights sees the clash coming and tells you to top up the rego fund now, before it bites.
Phone plan, car insurance, gym, streaming — the Bill Tracker lays out exactly what's leaving your account this week, so the $214 insurance debit never catches you with $190 in the bank.
The Expenses Tracker reveals your subscriptions quietly add up to $96 a month. See your true cost of living by category — and know exactly what's left over to save.
The What-If Calculator shows that an extra $40 a week gets your house-deposit fund done seven months sooner. See the trade-off, then decide if it's worth it.
The Cashflow Forecast projects your combined balance across every fund — so you know it'll dip to $380 in late March before a payment bounces, not after.
Got $200 spare? Instead of splitting it evenly, SinkWise says put $150 on the rego due in three weeks and $50 on the holiday — so your money always works hardest where it matters most.
Track up to 10 sinking funds, log every deposit, and watch your progress. When you want the part that does the thinking for you — AI Insights, bill & expense tracking, forecasts, and 80 funds — Premium is one tap away.
Be one of the first to make saving effortless. Founding members help shape SinkWise — and lock in early pricing for life.
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