Mintage
Changes currency, tax terms and demo data
Try it with sample data

See your whole financial life, and pay less tax when you sell.

Budgets, goals, shares and super in one calm place. When it is time to sell, Mintage shows which parcels cost the least CGT before you place the trade.

  • No card needed
  • Cancel anytime
  • Export everything
  • AU, US and UK tax aware
Showing Australia
Changes currency, tax terms and demo data

Safe to spend and the 60-second check-in

  1. Open Mintage and see what is safe to spend today, after bills and goals.
  2. Start the daily check-in: new transactions arrive pre-categorised.
  3. Confirm each one with a tap. It takes about a minute.
  4. Your streak grows. Prefer no streaks? Calm mode turns them off.

Sample data for fictional people. Numbers are calculated by the same engine the app uses.

Built with input from three usability studies

No customer reviews yet, so here is what independent testers said while using the real app with sample data in October 2026.

“The parcel-level CGT engine is the best I've seen outside Sharesight.”
SMSF trustee persona, from our usability testing
“The numbers reconcile and the labels are the fund's.”
SMSF trustee persona, re-test
“[The] banking core is better than Money Manager 7: reconciliation, scheduled entries and undoable imports.”
UK sole trader persona, from our usability testing
“The forecast and income are realistic now.”
First-time budgeter persona, re-test

How it works

  1. Look around with sample data

    Open a full workspace for a fictional family in Australia. Click anything; nothing is saved until you sign up.

  2. Bring in your own files

    Drop exports from your bank and broker. Mintage detects the format, skips duplicates and builds your holdings parcel by parcel.

  3. Check in for a minute a day

    Confirm new transactions, see what is safe to spend, and get a heads-up before you sell anything that would cost more tax than it needs to.

Everything that touches your money, in one place

Budget and safe to spend

Category, envelope or 50/30/20 budgets with live pacing. Mintage counts upcoming bills, scheduled income and goal transfers, then tells you one number: what is safe to spend until payday.

  • Natural-language quick add: “coffee 4.50 yesterday”
  • Rules that learn from your corrections
  • 3 to 24-month cash-flow forecast with what-if scenarios

Goals that stick

Each goal carries a plan in your own words (“when I get paid, $200 moves to Holiday”). A 60-second daily check-in, a Sunday weekly review and milestone celebrations keep it going.

  • Streaks with freeze tokens, never punishment
  • Calm mode turns every nudge off
  • Debt snowball and avalanche with payoff dates

Investments: sell the right shares

Every buy is tracked as its own parcel. Before you sell, the what-if compares first-in-first-out, newest-first, highest-cost and lowest-tax choices side by side, applying the 12-month CGT discount.

  • Eight selection strategies, or pick parcels by hand
  • Days until each parcel becomes eligible for a lower rate
  • Tax-loss harvesting candidates before year end

Corporate actions and benchmarks

Splits, consolidations, DRPs, returns of capital, demergers, takeovers and AMIT adjustments (17 types) update your cost base from an event log. Compare performance against any ETF with your exact deposits replayed into it.

  • Time-weighted and money-weighted (XIRR) returns
  • Income with franking credits and foreign tax
  • Allocation and concentration checks

Every entity in one login

Keep the household, SMSF, family trust and company books separate, then see them together. Each entity has its own tax rules, financial year and currency, with roles for your partner, co-trustee or accountant.

  • SMSF: member balances, contribution caps, pension minimums
  • Consolidated net worth across entities and currencies
  • Read-only accountant access

Small business, without a second app

Invoices with GST, BAS summaries and an accountant pack your bookkeeper can open.

  • Branded invoice PDFs with numbering and email drafts
  • Ageing, statements and profit and loss
  • GST/BAS (AU) and VAT returns incl. flat rate (UK), with HMRC Making Tax Digital filing

Imports from your bank and broker

34 ready-made import presets for banks, brokers, prices and corporate actions, including nabtrade, CommSec, IRESS, FP Markets, Selfwealth, Stake, Pearler, CMC and the big four banks. Files from any other broker or bank go through a mapping wizard that remembers the layout next time.

  • CSV, OFX/QFX, QIF and CAMT.053
  • Duplicate detection and one-click undo of a whole import
  • Australian bank feeds through Basiq (Open Banking) rolling out on paid plans

How Mintage compares

Most people use two or three of these together. Mintage aims to replace the budgeting app and the portfolio tracker at once. As published Oct 2026, check each vendor's site; “Not listed” means we could not find it on their public pages.

FeatureMintageSharesightNavexaYNABMonarchQuicken SimplifiPocketSmithMoneysoft Money Manager 7
BudgetingYesNot listedNot listedYesYesYesYesYes budget vs actual
Share holdings and performanceYesYesYesBalances only3Yes lots and cost basis on Plus4Yes cost basis, performance5Not listedNot listed
Choose which shares to sellPer sale: 8 strategies, what-if before you tradeOne method per portfolio or holding, incl. “Minimise CGT” (AU, Standard and up)1Manual parcel selection (Premium and up)2Not listedShows holding period per lot4Not listedNot listedNot listed
Capital gains tax reportAU CGT schedule, US short/long-term, UK Section 104Yes paid plans1Yes2Not listedUnrealised gains and tax implications (Plus)4Not listedNot listedNot listed
Invoices and VAT/GST returnsYes incl. HMRC MTD VAT filingNot listedNot listedNot listedNot listedNot listedNot listedYes Business Edition, online VAT returns7
Entry priceFree; paid from A$9/moFree (10 holdings); Basic A$12/mo1From A$20/mo2US$14.99/mo or US$109/yr3US$14.99/mo or US$99.99/yr4From US$3.99/mo billed yearly; US and Canada only5Free; paid from A$14.95/mo6£80 one-off (Personal); Windows 11 only7
  1. Sharesight: pricing (AU), sale allocation methods.
  2. Navexa: pricing.
  3. YNAB: pricing, tracking investment accounts.
  4. Monarch: pricing, gains and losses.
  5. Quicken Simplifi: product page.
  6. PocketSmith: plans.
  7. Moneysoft: prices (excl. VAT; Business Edition £125).

Your money data stays yours

  • Locked down

    Encrypted connections, passwords hashed with scrypt, optional two-factor codes and login lockout after repeated failures.

  • Never sold

    No ads, no selling or sharing your data with marketers. You pay for the product, so you are not the product.

  • Export everything

    Download a full backup, every report as CSV, Excel or PDF, and an accountant pack. Leaving is one click.

  • Or run it yourself

    Prefer your own computer? Mintage runs as a single self-hosted app with Docker, and your data never leaves your machine.

How we protect your data

Questions people ask

Do I need to sign up to try it?
No. “Try it with sample data” opens a complete workspace for a fictional household in your country. Sign up only if you want to keep going with your own numbers.
Is this tax advice?
No. Mintage calculates capital gains, franking, VAT and GST from the rules and the records you give it, and shows its working. It is general information; check your situation with a registered tax agent or adviser.
Which countries does it understand?
Australia (CGT discount, SMSF one-third discount, franking, GST/BAS), the United States (short and long-term gains, $3,000 loss limit, wash-sale warnings) and the United Kingdom (Section 104 pooling, same-day and 30-day rules, annual exempt amount, VAT and MTD).
Can I import from my broker?
Yes. There are presets for nabtrade, CommSec, IRESS, FP Markets, Selfwealth, Stake, Pearler, CMC, Interactive Brokers and Sharesight exports. For others (Schwab, Fidelity, Vanguard, Hargreaves Lansdown, Trading 212 and more) the mapping wizard reads the CSV and saves the layout for next time.
What happens when the free trial ends?
You move to the Free plan. Nothing is deleted and you are never locked out; anything above the Free limits becomes read-only until you upgrade.
Can I get my data out?
Always. Full backup, CSV/Excel/PDF reports and an accountant pack are a click away on every plan (CSV on Free and Plus).

See it with your own eyes in under a minute

Open a full workspace filled with sample data for Australia. No sign-up, nothing to install.

  • No card needed
  • Cancel anytime
  • Export everything
  • AU, US and UK tax aware