Free personal finance app
Personal finance, without all the fuss.
Kitchen Table is a free personal finance app - a simple way to understand your money, make a plan, and keep making progress.
No credit card required. There's a free-forever plan, so the tools that help build a solid financial foundation are yours to keep.
Overview
Good to see you, Matt.
Accounts
5
Active links
Income
$4,150
Net inflow
Budget
$2,450
Planned spend
Debts
$11,280
Liabilities
The product
Turn the piece of paper into a plan.
Kitchen Table gives you a simple place to keep track of what's happening with your money, understand where you stand, and work on what matters next. It's for anyone paying down debt, building their first emergency fund, or tired of wondering where the paycheck went.
Earn
What's coming in.
Plan & Spend
What's going out.
Debt Payoff
What you're paying back.
Own
What you have.
Earn
Know what you have to work with.
Keep your income in view alongside everything else happening with your finances.
- Track income from multiple sources
- See your monthly take-home
- Understand the money you actually have to work with
Monthly income
$4,150
Salary - Northwind
Monthly · after tax
$3,200
Side project - freelance
Monthly · after tax
$650
Interest on savings
Monthly
$300
Plan & Spend
Give your money somewhere to go.
Create a plan around your real life - not some imaginary perfect month.
- Set a budget that fits your life
- Import bank statements from CSV
- See how your spending compares with your plan
This month's plan
Debt Payoff
Make a plan for what you owe.
See your debts together, understand your repayments, and work towards paying them down.
- Track debts and repayments in one place
- Compare payoff strategies side by side
- Always know the next repayment that matters
Your debts
Active balance
$11,280
Minimums
$420
Westpac credit card
21.9% · $85 minimum
$4,100
Personal loan
12.4% · $260 minimum
$6,320
Buy now, pay later
0% · $75 minimum
$860
Period 8 of 19 · $420 next
Own
Don't forget what you've already built.
Keep track of the things you have - from your emergency savings to investments and property.
- Keep cash, savings, and investments in view
- Note property and other assets
- See the picture beyond what you owe
What you own
Cash & checking
$1,240
Savings
$8,600
Investments
$14,200
Property
Noted
The whole picture
See the whole picture.
Earn. Spend. Owe. Own. One simple view of where you stand today.
Overview
Good to see you, Matt.
Accounts
5
Active links
Income
$4,150
Net inflow
Budget
$2,450
Planned spend
Debts
$11,280
Liabilities
Take your time
You don't have to fix everything at once.
- Maybe you're paying down debt.
- Maybe you're trying to stop wondering where your paycheck went.
- Maybe you're building your first emergency fund.
- Maybe you're simply trying to get organised.
Wherever you're starting from, that's okay.
The goal is to understand what's happening, make a few good decisions, and keep moving forward.
Why we made it
Why Kitchen Table?
Most households have had a money conversation around the kitchen table.
- A bill that needs paying.
- A holiday you're saving for.
- A loan you're trying to get rid of.
- A conversation about whether you can afford something.
Nothing fancy. Just people figuring things out.
That's the feeling we wanted to bring to personal finance.
Simple. Practical. Human.
Free roadmap
A step-by-step path to financial freedom.
17 milestones, from your first bank account to your dream life. Each step explains why it matters, how much effort it takes, and the tools to do it. No wrong or right order, just a path that keeps you moving forward.
- Open Bank Accounts
- Make a Budget
- No Credit Cards
- Grow Your Income
- Health Insurance
- Term Insurance
- Close Consumer Debts
- High Growth Investments
- Secure Retirement
- Emergency Fund (3 months)
- Diversify Portfolio
- Emergency Fund (6 months)
- Build Opportunity Fund
- Build Portfolio
- Home Ownership
- Estate Planning
- Dream Life
Pricing
Start free. Stay free for as long as you like.
The core tools are free forever, with no credit card required. If you ever want more headroom for importing and categorising, Plus is there when you need it.
Free Forever*
Everything you need to get organised and pay down debt.
$0forever
- Income tracking and take-home pay
- Budgets that fit your real life
- Debt payoff plans and strategy comparisons
- Accounts, transactions, and your net worth
- The 17-step financial freedom roadmap
- AI import up to 3 files and 250 transactions a month
No credit card required.
* Limits and features are subject to change. See our Terms of Use.
Plus
OptionalFor heavier importing and more headroom each month.
$12.99/ month
or $99 per year
- Everything in Free Forever
- AI import up to 5 files and 750 transactions a month
- More headroom for busy months
- Monthly or yearly billing, cancel any time
Your first 3 months are on us. No credit card required to start.
Common questions
Frequently asked questions
The things people ask before they start using Kitchen Table.
Is Kitchen Table really free?+
Yes. The free-forever plan includes budgeting, income tracking, debt payoff tools, and your financial roadmap, so you can build a solid financial foundation at no cost. You do not need a credit card to start, and you can stay on the free plan for as long as you like.
How much does Kitchen Table cost?+
The core of Kitchen Table is free forever, with no credit card required. There is also an optional Plus plan at $12.99 per month or $99 per year for higher AI import and categorisation limits. Start free and upgrade later only if you want more headroom.
How is Kitchen Table different from a spreadsheet?+
A spreadsheet only tracks numbers. Kitchen Table is a personal finance app that brings earning, spending, debts, and savings into one view, then turns it into a plan. It compares debt payoff strategies, shows your next repayment, and keeps everything simple enough to stick with.
Can Kitchen Table help me pay off debt faster?+
It can. Kitchen Table tracks your debts and repayments in one place so you always know what matters next. You can compare payoff strategies like the avalanche and snowball methods side by side and follow a plan until the balance hits zero.
Do I need to link my bank account?+
No. You can enter transactions manually or import bank statements from a CSV file. Kitchen Table is designed to show where your money goes without forcing a bank connection.
Does Kitchen Table work in Australia?+
Yes. Kitchen Table is built for Australian dollars (AUD) and for the way people in Australia budget, save, and pay down debt. Amounts are shown in AUD throughout the app.
Do I need to be good with money to use it?+
Not at all. Kitchen Table uses plain language and lets you go at your own pace. Whether you are paying down debt, building your first emergency fund, or just trying to get organised, the app meets you where you are.
Start for free. Stay for free.
Getting control of your finances takes a little time, and you should not have to pay to begin. There's a free-forever plan, so the tools that help build a solid financial foundation are yours to keep. If you ever want more headroom for importing and categorising, Plus is optional.
No credit card required. No pressure. Take your time.