Features
Everything you need to know if your strategy is working.
Budgeting, portfolio tracking, tax return, expense splitting — one app for your entire financial picture.
Savings & Budgeting
Did I hit my savings target this month?
Set a monthly savings goal once. Watchtower tracks income minus expenses and tells you the result — no categories to reconcile, no spreadsheet to maintain.
- ✓Monthly savings result vs. target
- ✓Spending by category with budget limits
- ✓Recurring payments with upcoming notifications
- ✓Smart suggestions when you consistently miss a budget
- ✓Rolling 12-month savings trend
Portfolio Tracking
Are your investments beating the market?
The hero differentiator. See if your ETF returns are beating inflation, bank interest rates, and the S&P 500 — all on one screen. No broker login needed.
★ Portfolio tracking is a Basic plan feature
- ✓Annualised return (corrected for time in market)
- ✓Benchmark comparison: VAS, S&P 500, ASX 200, MSCI World
- ✓Your ETF returns vs inflation
- ✓Your ETF returns vs bank interest rates
- ✓Savings rate and portfolio growth side-by-side
Tax Return
Your tax return, done in minutes.
PAYG, dividends, stocks, and investment property — all in one place. Basic plan adds deduction recommendations so you never leave money on the table.
- ✓Full-time income (PAYG)
- ✓Dividend and stock income
- ✓Medical insurance deductions
- ✓Investment property income
- ✓Side hustle income
- ✓Recommended deductions (Basic+)
Events — Expense Splitting
Split expenses without the back-and-forth.
Like Splitwise, but built into your financial dashboard. Invite people, log shared expenses, and settle up. Multi-currency within a single event on Basic.
- ✓Create events and invite friends
- ✓Shared expense logging
- ✓Multi-currency support (one currency per event on Free)
- ✓Multi-currency within events (Basic+)
- ✓Shared Finance Watchtower accounts sync automatically
Receipts & Invoices
Stop losing receipts.
Scan and attach receipts to transactions. Query your receipts without clicking through each one individually. Scanning credits available on any plan.
- ✓Scan receipts via mobile camera
- ✓Attach receipts to transactions
- ✓Query receipts by merchant, date, or amount
- ✓100 scans for $5 — available on any plan
- ✓Unlimited scans on Pro
Mobile App
The app that fits your day.
iOS and Android. Pin your favourite view — your road trip events, your morning transaction log, whatever fits your life today.
- ✓iOS and Android
- ✓Pin a favourite view as your home screen
- ✓Quick-add transactions
- ✓Scan receipts from your camera
- ✓In-app and email notifications
- ✓Configurable notification settings
Start free today.
No credit card. No bank connection required. See if your strategy is working in minutes.