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 - MoneyFormula gives you total flexibility when it comes to importing accounts and transactions.

You can use Bank Sync via Open Banking, file import (OFX, QIF, CSV, TXT) and manual entry on any account, and you can use a combination of all three.

MoneyFormula provides access to Australia's top 120 financial institutions via Open Banking as an accredited CDR Representative (under licensed Accredited Data Recipient ADRBNK000246), part of Australia's Consumer Data Right legislation.

You can use Bank Sync to automatically create accounts and sync recent and future transactions, while using file import to fill out older history before your sync start date. The import wizard will automatically guide you through keeping the two aligned.

For institutions that haven't joined Open Banking you can use file import.

And for accounts where there will never be transactions, for example property, your car, gold bullion, you can manually add transactions and balances at any time to track your other assets and debts.

NO - Bank Sync and Open Banking are completely optional and a personal choice. You can use file imports or manual entry if you don't want to sync to your bank automatically.

If you start manually adding accounts, then decide you want to use Bank Sync and Open Banking at a later time, no problem, you can simply link the accounts you have already created via the Bank Sync screens and they will automatically sync going forward, while keeping all your existing history.

If you sync first and create accounts, you can use the file import to load historical information.

You get to choose what you import, how you import it and when you import it.

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 Buckets and Accounts.

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.

Yes - You can use MoneyFormula to check your mortgage and loans for bank errors and to calculate your refund.

Did you know that EVERY major Australian lender has been caught overcharging their clients millions and millions of dollars due to human errors and computer glitches?

Even worse, if there is an error in just your loan it is unlikely to be picked up by the bank as is it will too small for them to notice. Unless you find the bank error and report it, you will keep paying for it over the life of your loan.

The good news is you can check your mortgage and loans in seconds using MoneyFormula. The most common errors to look out for include offset accounts not being linked, discounts not being applied and wrong interest rates being used.

The interest checker report is designed to quickly highlight errors in the interest charges of your mortgage and investment loans. It recalculates all the interest (including any offset account benefits) and compares it to the amount charged by your lender.

The refund calculator report is designed to calculate the total cost of the interest errors on your loans. If an error happened some time ago you will have been charged additional interest on the error, and the refund amount could be considerably more than just the original error amount.

The daily interest report provides a day-by-day breakdown of the interest payable on a loan, and includes any offset account benefits you are entitled to. The report provides you with all the details you need to perform thorough audits of your loans and it allows you to investigate discrepancies reported in the Interest Checker report.

For everything you need to know about bank errors and auditing your mortgage head over to your Roadmap to Success and watch "Step 5 - Check for Bank Errors".

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.