Australian home expense tracker
Know what your home really costs.
HOLD brings your mortgage, strata, council rates, water, insurance, utilities and everyday home expenses together in one simple place. See what’s coming up, understand where your money is going, and find opportunities to save.
Completely free.
100% free · Built in Australia · Privacy-first · Available on the App Store
The real cost of homeownership
Your mortgage isn’t the whole story.
Buying a home comes with a lot of numbers. Your mortgage might be the biggest one, but then there’s strata, council rates, water, insurance, electricity, internet, maintenance, special levies and everything else that comes with keeping a home running. HOLD helps bring those costs together.
Weekly cost
$821
Monthly cost
$3,558
Quarterly cost
$10,673
Annual cost
$42,692
Upcoming expenses
3 bills
Expense categories
7
Why HOLD was built
Built because I needed it too.
When I became a homeowner, I realised that knowing my mortgage repayment wasn’t the same as knowing what my home actually cost me. There was strata every quarter, council rates, water, insurance, utilities and special levies, all arriving at different times.
I wanted one simple answer: how much does my home actually cost me? I couldn’t find anything that gave me that without turning it into another spreadsheet, so I built HOLD.
And because an app built to help you save money shouldn’t become another expense, HOLD is free.
Features
Everything HOLD does.
01
Track your true home costs
Bring your mortgage and recurring property expenses together and understand the real cost of owning your home.
02
Know what’s coming
See upcoming expenses across the next 30, 60 and 90 days so quarterly bills don’t sneak up on you.
03
Understand your spending
See how your costs break down across mortgage, strata, utilities, insurance, council rates and more.
04
Find ways to save
Get clearer visibility over recurring expenses and identify costs that may be worth reviewing.
05
Keep everything together
Make property bills, information and documents easier to keep track of.
06
Plan ahead
Use your current home costs to better understand your financial position and what you may comfortably afford in the future.
Simple by design
Homeownership is complicated enough.
HOLD is deliberately designed to be simple. You don’t need to understand complicated financial terminology. You don’t need to build a budget with dozens of categories. And you don’t need to spend every Sunday updating a spreadsheet.
HOLD turns the messy reality of homeownership into information you can actually understand.
Security & privacy
Your home. Your finances. Your information.
We know the information you add to HOLD is personal. That’s why HOLD is built with privacy and security in mind, with safeguards designed to protect your information while giving you control over the data you choose to add.
HOLD only asks for information needed to provide the features you use.
Private by design. Simple by design.
Learn
Understand homeownership, not just the numbers.
Clear Australian guides on strata, council rates, water, special levies, mortgage costs, home insurance and saving money as a homeowner.
Explore the HOLD Homeowner GuideBuilt for Australia
Built for Australian homeowners.
Australian homeowners deal with a particular set of expenses - strata and owners corporation fees, council rates, water, special levies and the rest. HOLD is built around those, using the terminology Australians actually use.
Your home costs enough already.
Understanding it shouldn’t cost you anything. Download HOLD free on the App Store and get a clearer picture of what your home actually costs.
No subscription. No complicated setup. Just a clearer picture of your home.
hold. Know what your home really costs.
