Personal finance for Australians
Your financial picture, complete.
Grove is the personal finance app built for Australians. One live dashboard for your net worth, investments, tax, and FIRE — always current, no spreadsheets required.
Sound familiar?
“I have a spreadsheet for ETFs, another for tax, a third for super. None of it is current. And I genuinely don't know my net worth right now.”
Dashboard
11 Mar 2026 · Auto-refreshed
Total Net Worth
$847,293
+$94,210 this year · +12.4%
FIRE
8 yrs
at current rate
Tax Est.
$38,420
FY 2025-26
Holdings
VAS
Vanguard AU Shares
$94.21
+12.3%
NDQ
BetaShares Nasdaq 100
$41.88
+28.4%
BHP
BHP Group
$43.12
-4.2%
Inside the app
One dashboard. Every number.
Grove connects to your accounts and live market prices so every number — net worth, tax, FIRE progress — updates automatically. No manual entry. No stale data.
- Real-time prices across ASX, NASDAQ, NYSE and crypto
- Automatic CGT calculation with FIFO parcels and the 50% discount
- Super, property, and RSU equity counted in your true net worth
- Your personal FIRE date, calculated from your actual wealth
- Dividend income and franking credits tracked automatically
- Savings goals tied to your real wealth, not a separate app
Total Net Worth
$847,293
+$94,210 this year · +12.4%
FIRE
8 yrs
at current savings rate
Tax Owed
$38,420
FY2024-25 estimate
CGT discount eligible · 14 assets · longest held 4.2 yrs
Designed around how Australians actually invest
Every number that matters.
Tax done properly
CGT parcels tracked automatically. PAYG, Medicare levy, HELP, and RSU income calculated to the dollar. Know your tax number before your accountant does.
Your real net worth
Finally, your actual number. ETFs, stocks, crypto, property, super, and liabilities, all live-priced in AUD. Not a spreadsheet estimate. The truth.
Your path to FIRE
Your FIRE number isn't a generic formula. It's built from your actual wealth, super projection, and lifestyle. See exactly when you can stop working.
Budgeting that sticks
Set monthly targets by category and watch your actual spending track against them in real time. No more guessing where the money went.
Dividends & franking credits
Every dividend payment logged against the right parcel. Franking credits calculated. DRP tracked. Your income from investing, without the spreadsheet.
Goals that mean something
House deposit, emergency fund, first $100k — set a target and watch your real wealth close the gap. Goals connected to your actual numbers, not an estimate.
Have questions?
Common questions, plain answers.
What are the income tax rates in Australia for FY 2025-26?
$0–$18,200 at 0%; $18,201–$45,000 at 16%; $45,001–$135,000 at 30%; $135,001–$190,000 at 37%; $190,001+ at 45%. Plus 2% Medicare levy.
How do I calculate my FIRE number in Australia?
Multiply your annual expenses by 25 (4% rule). $80,000/year means a $2M target. Many Australians use 3.5% (28.5× multiplier) for a more conservative rate.
How does CGT work when I sell shares or ETFs?
The profit is taxed at your marginal rate. Hold 12+ months and the 50% CGT discount applies — halving the taxable gain. Cost base includes purchase price plus brokerage.
Private beta
The spreadsheet era is over.
Grove is in private beta. Join the waitlist for early access and be among the first Australians to see their complete financial picture in one place.
Web app · Private beta · No spreadsheets required