Features / Personal & Household
Your personal finances, next to everything else.
Your salary, your partner's salary, the rent you pay or receive, the super contributions, the investments, the spending. myaccountant holds personal finance on the same platform as the business and the investment properties — so tax time, loan applications, and the question "are we getting ahead?" all have a real answer.
Features · Personal & Household
Overview
By what you hold
People and pay
Meeting the ATO
Asking for help
For accountants
The numbers that actually matter.
The one chart that matters.
Total assets minus total liabilities, snapshotted automatically, charted over months and years. Watch the slope. If the line is rising, you are getting ahead. If it is flat, you have work to do. Net Wealth is the number the platform treats as the anchor of personal finance — the top-left figure on the Dashboard, the headline on every personal report, the one you share with your broker.
A loan application in one click.
Apply for a mortgage. Refinance a loan. Ask for a car finance increase. Your broker will ask for the same things every time: a Net Wealth Statement, a two-year Household Income Report (with rental income discounted to 80% and depreciation added back), a Rental Schedule, and a Living Expenses breakdown. The Broker Pack generates all four documents as one polished PDF, formatted the way lenders intake them. What used to be a week of spreadsheet work is one click and a review.
Weekly groceries. Quarterly energy. Annual insurance.
Budgets in myaccountant are per category, at the frequency each category actually lives on — weekly for groceries, quarterly for energy, annual for insurance renewal, monthly for everything in between. Real bills, real cadence, real budget that tracks against what is happening in your bank account.
The Deduction Scanner.
The platform reads through months of personal spending and surfaces transactions that look tax-deductible — work-from-home expenses, professional memberships, education, vehicle running costs. Each flag comes with a short reason and a confidence rating. Most Australians under-claim. The Scanner finds what would otherwise stay on the kitchen table.
What else you get.
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Personal bank transaction categorisation — Personal spending sorted into categories, same engine as the business books.
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Cash flow tracking — Money in versus money out over any period. Answers the only question that matters: are you getting ahead?
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Recurring expense detection — Identifies subscriptions, bills, and regular charges; predicts the next payment date. Spot forgotten subscriptions before they auto-renew again.
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AI budget suggestions — The platform looks at the last six months of spending, removes one-off outliers, accounts for seasonal patterns, and suggests realistic budget amounts per category. Start from a number, not a blank form.
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Household sharing — One household, both partners' accounts, combined view.
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Super tracking — Super fund balances pulled into net wealth automatically.
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Personal-finance access as a plan option — The Personal module can be purchased on its own or alongside Business or Property.
The reports that come with it.
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Net Wealth Statement — Standalone assets-versus-liabilities document formatted for lender intake. Personal-finance answer to a balance sheet.
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Household Income Report — Two-year income aggregation across both partners, with lender-standard add-backs (depreciation, interest) and rental income discounted to 80%. Saves both the borrower and the broker hours of work.
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Broker Pack — The four documents above combined into one polished PDF for a mortgage, refinance, or finance application.
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Personal Cash Flow — Money in, money out, any period you choose.
See the rest of the platform.
Every feature of myaccountant follows the same philosophy — show what matters, hide what does not, earn the reader's attention before demanding it. Browse the full Features library to see how each piece of the platform is shaped around that principle.