Calculators
A home expense tracker built for Australian homeowners
A home expense tracker should do one thing well: show you what your home actually costs. Not a generic budgeting app with dozens of categories - just your home, your bills and a clear total.
HOLD is a free home expense tracker built around the way Australian homes actually cost money.
What a good home expense tracker shows you
- Your weekly, monthly, quarterly and annual home cost - in one number
- Upcoming bills and renewals before they arrive
- Where your money is going across mortgage, strata, rates, water, insurance and utilities
- Which costs are worth reviewing to save money
Why a generic budgeting app falls short
Most budgeting apps are built for everyday spending - coffees, groceries, Friday drinks. They are not built for quarterly strata levies, annual insurance renewals or special levies. HOLD is built specifically for the recurring costs of owning a home.
How HOLD tracks your home expenses
Add your mortgage and recurring bills once. HOLD converts everything to a consistent weekly, monthly and annual figure, surfaces what is coming up, and flags costs worth reviewing. It is free.
Frequently asked questions
Is there a free home expense tracker?
Yes - HOLD is completely free and is purpose-built for Australian home expenses including mortgage, strata, council rates, water, insurance and utilities.
How is HOLD different from a budgeting app?
HOLD focuses on the recurring costs of owning a home rather than everyday spending. It understands quarterly bills, annual renewals and strata levies, and shows your true weekly, monthly and annual home cost.
Last reviewed: 19 August 2026
