See what's safe to spend.
One number each morning: what's left once bills and savings are set aside. Spend it and you're fine. Leave some and it rolls into tomorrow.
New: pots you can share with housemates
Money, sorted into little pots.
Mallow splits your pay into pots for bills, food, fun and saving the moment it lands. One look tells you what's safe to spend today, and nothing ever nags.
- Free for three months
- Cancel in two taps
- Read-only bank access
- Rent $1,150
- Groceries $420
- Savings $300
- Bills $260
- Fun $120
- Travel $80
- Gifts $40
- Coffee $35
What Mallow does
Gentle with you. Strict with the numbers.
Mallow does the sums in the background and shows you the answer in plain words. You stay in charge; it just keeps things tidy.
Save without thinking about it.
Switch on a habit and Mallow quietly moves the money for you.
Set aside this month$30.40
Bills, handled before they're due.
Mallow learns your regular bills and keeps their money to one side.
- RRentFridayCovered
- PPowerTue 14thCovered
- MMobile21st$18 to go
Pots you can share.
Saving for a trip or splitting the power bill? Invite someone to a pot. You each see the same number.
Nudges, never nagging.
A short check-in once a week, and a heads-up only when something changes. No red numbers, no guilt.
How it works
Three steps, then it mostly runs itself.
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1
Connect your bank
Mallow can see your balance and what you spend. It can't move money anywhere without you.
-
2
Pick your pots
Start with ours (bills, food, fun and saving) or make your own, then choose what each gets on payday.
-
3
Spend what's safe
Each morning you get one number. If it's there, it's yours to spend. That's the whole trick.
In their words
Less worrying, more knowing.
These are placeholder quotes that show the tone. Swap them for real ones, with permission, before launch.
I used to check my balance three times before buying lunch. Now I look at one number and get on with my day.
We share a pot for the power bill. No more awkward texts about who owes what.
The round-ups paid for my sister's birthday present and I didn't notice them going.
Your money stays where it is.
Mallow is a budgeting app, not a bank. It reads your accounts to do the sums and never holds your money.
- Read-onlyIt can look, never move
- EncryptedIn transit and at rest
- YoursDelete everything in one tap
Pricing
Small, honest prices.
Every plan starts with three months free. No card needed to start.
For trying the idea.
$0forever
- Three pots
- Safe-to-spend number
- Weekly check-in
Most people pick this
Plus
For running a whole household.
$4a month
- Unlimited pots
- Round-ups and Friday saves
- Bill tracking
- Goals with dates
Together
For couples, families and housemates.
$7a month
- Everything in Plus
- Shared pots for up to six
- Each person keeps their own pots private
Placeholder prices in AUD, including GST.
Questions
Good questions, plain answers.
Is my money safe?
Your money stays in your own bank. Mallow has read-only access, so it can see balances and transactions but can't move or spend anything.
Do I need to change banks?
No. Mallow works alongside the bank you already use. Pots are a way of looking at your money, not separate accounts.
What happens if I overspend a pot?
Nothing scary. Mallow tops it up from your safe-to-spend money and tells you once, kindly. No fees, no red warnings.
Can I use it with my partner?
Yes. On the Together plan you can share any pot and keep the rest private. You each see the same numbers for the pots you share.
How do I cancel?
From Settings, in two taps. You can download your history first, and we delete everything else within 30 days.