Money doesn't have to be complicated
Most Australians lose track of where their money goes each month. We help you see it clearly, plan ahead, and build confidence around your finances without the jargon or pressure.
See how we work
What you get with tavionkarex
Real-time budget tracking
Connect your accounts and watch spending patterns emerge. You'll spot habits you didn't know existed—like that $60 weekly cafe habit—and make decisions based on what's actually happening, not guesses.
Savings automation
Set rules once. Money moves automatically to savings before you can spend it.
Bill forecasting
See upcoming expenses weeks ahead. Never miss a payment or scramble for cash again.
Custom alerts
Get notified when you're approaching limits, when bills are due, or when unusual transactions appear. Stay in control without constantly checking balances.
Goal planning
Holiday fund? New car? Emergency buffer? Track progress and see exactly when you'll reach each target.
Getting started takes about 15 minutes
Link your accounts securely
We use bank-grade encryption and don't store your login details. You'll connect checking, savings, and credit accounts through a secure read-only connection. Everything syncs automatically from there.
Review your spending history
Our system categorises the past three months of transactions. You'll see where money's been going—groceries, transport, entertainment, utilities. Check the categories and adjust anything that's off. Takes maybe five minutes.
Set your monthly limits
Based on what we found, you'll set realistic limits for each category. Start with your actual spending patterns and adjust from there. No need to slash everything immediately—small changes stick better anyway.
Watch it work
That's it. Your dashboard updates daily. You'll get alerts when you're hitting limits or when something looks unusual. Check in weekly at first, then whenever you want to see how you're tracking.
Meet Jarrod Callaway
I spent ten years helping banks build budgeting tools that never quite worked for regular people. Too complicated. Too many features no one needed. Too much shame baked into the design.
So in 2024, I left and built tavionkarex instead. Just the essentials. Clear visuals. No lectures about your spending choices.
The goal isn't perfection—it's awareness. When you know where money's going, you make better choices naturally.
We're based in Mosman and work with Australians across the country. Most of our clients join in winter when they're planning for the year ahead. Our next intake opens in July 2026.
Want to chat about whether this approach fits your situation? Get in touch and we'll have a quick conversation.