YES - MoneyFormula is 100% Australian owned and is 100% run in and from Australia.

All data stays within Australia in top-tier data centres on the East Coast of Australia and all your data is protected by Australian business and data custodian laws.

All support is handled within Australia.

Yes - You can use the MoneyFormula app to track your Barefoot Investor progress.

For full details on how to set up your buckets (Blow, Mojo and Grow) in MoneyFormula take a look at the Barefoot Investor article series starting with PART 1 - Setting Up Your Barefoot Investor Buckets.

MoneyFormula uses money flows and buckets, which you can customise and rename to track your Barefoot buckets. In particular, you can rename "Wealth Goals" to "Fire Extinguisher", "Rewards Savings" to "Smile" and "Fun Spending" to "Splurge".

The Plan My Wealth Goals section will provide you with the steps you need for your Fire Extinguisher and the bad debt crusher provides you with the smallest balance first strategy which will show you when your debts will be paid out.

The Track My Progress target money flows and buckets of 20%, 10% and 10% are similar to the barefoot bucket amounts, however MoneyFormula doesn't expect you to start on these percentages; so you have more flexibility implementing your buckets.

Please note, the terms "Barefoot", "Barefoot Investor", "Fire Extinguisher", "Smile" and "Splurge" are the trademarks of The Barefoot Investor. In addition, MoneyFormula / HomeMoneyManager operate independently of, are not affiliated with or connected to "The Barefoot Investor" in any way.

YES - The MoneyFormula app is designed to work on all modern devices (mobile, tablet, laptop and desktop) and is available as a mobile app from the app stores or through your web browser on any device.

You get the same full version no matter what device you use, or whether you use the native apps or the web browser version; so apart from a couple of slight layout changes (menu bottom or side, etc.) everything will automatically scale depending on your screen size.

This is great because you don't have to use a "web" version for some things and the "mobile" version for others; the same app means you can do everything from any device.

You can also access your data 24/7 from multiple devices as you move throughout your day (e.g. laptop at home, mobile while out and about, desktop at work, tablet at home, etc.) and the app will share the same data between all your devices so if you update something on one it is available on the others.

No - The information provided by MoneyFormula and HomeMoneyManager is general in nature. It does not take into account your personal objectives, financial situation or needs. Please speak to a qualified financial adviser if you need specific advice on your finances.

No - One of the three main MoneyFormula buckets is called “Fun Spending” and it is there so that you keep spending on fun things.

No - MoneyFormula is about working with what you have and is not about refinancing your debt. You only need a valid email address to start (and not 100 points of ID).

It will show you the MoneyFormula approach to finances and get you up and running in the MoneyFormula app where all of the hard work is done for you.

MoneyFormula is 100% designed with the Australian homeonwer in mind.

It is not one of those overly complex fincial planning products designed for the finance industry that is then also released onto the public.

From start to finish, top to bottom, MoneyFormula is a mortgage and personal finance app designed to put you in control of your finances, that is easy to use, yet extremely powerful.