Finance Made Simple | Millie Finance Money Tools App

Finance Simplified

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I wish there was a “cheat sheet” to help me with my finances...

We get it. Managing your money doesn’t have to be overwhelming. That’s why we’re here to make it simple, clear, and accessible - no jargon, just straightforward advice. You’ll learn the rules, formulas, and strategies that will help you build lasting financial habits.

Find the gaps, close them.

Find the gaps,
close them.

It’s not about getting everything perfect; it’s about making progress. The financial journey is different for everyone, but we all face similar challenges. By understanding where we stand and taking consistent steps forward, we can close the gaps in financial literacy and access.

Financial Literacy Gap

There exists a significant gender gap in financial literacy in Australia, with 63% of men demonstrating basic financial literacy compared to 48% of women. This impacts everything from budgeting to investing and makes it harder to navigate life’s bug financial milestones.

UNSW Business School: BusinessThink

Gender Pay Gap

On average, women still earn 14% less than men in Australia, with women of colour facing even wider gaps. This disparity can significantly affect long-term financial outcomes, from savings to retirement funds.

Australian Bureau of Statistics

Debt Holding Us Back Gap

As of March 2025 32% of women depend on credit cards, compared to 26% of men. This reliance can lead to accumulating debt, especially if balances aren't paid off in full each month. As of February 2025, Australians collectively held $19.9 billion in credit card debt accruing interest.

Finder.com.au

Retirement Savings Gap

Australian women retire with approximately 37% less superannuation than men, primarily due to career breaks for child-rearing and the persistent gender pay gap. Closing the gap starts with simple strategies to boost savings and secure your future.

SBS Australia

Smart and Simple Strategies

Want to know the secrets to managing money like a pro? We’re sharing bite-sized strategies and formulas that help build good habits, stay on track, and make smart choices. Here are a few to get you started. (More is coming when you join the waitlist!)

Budgeting

Rent vs Income

Debt

Emergency

Automate

Investing

The 50/30/20 Rule

This rule breaks down your income into three categories: 50% for needs, 30% for wants, and 20% for savings and debt repayment. Simple! It’s a clear, manageable way to balance spending and savings.

Budgeting

Rent vs Income

Debt

Emergency

Automate

Investing

The 50/30/20 Rule

This rule breaks down your income into three categories: 50% for needs, 30% for wants, and 20% for savings and debt repayment. Simple! It’s a clear, manageable way to balance spending and savings.

The 50/30/20 Rule

This rule breaks down your income into three categories: 50% for needs, 30% for wants, and 20% for savings and debt repayment. Simple! It’s a clear, manageable way to balance spending and savings.

"We're on a mission to elevate financial understanding, promote economic independence, and build a foundation for long-term financial well-being - helping to reverse the trend of declining financial literacy rates.”

— Pat Dalton, Cofounder of Millie

Action beats hesitation every time - and your journey to financial freedom starts now.
Download the budgeting tool, take control of your money, and start building the life you’ve always wanted!

Download the budgeting tool

"We're on a mission to elevate financial understanding, promote economic independence, and build a foundation for long-term financial well-being - helping to reverse the trend of declining financial literacy rates.”

— Pat Dalton, Cofounder of Millie

Action beats hesitation every time - and your journey to financial freedom starts now.
Download the budgeting tool, take control of your money, and start building the life you’ve always wanted!

Download the budgeting tool

"We're on a mission to elevate financial understanding, promote economic independence, and build a foundation for long-term financial well-being - helping to reverse the trend of declining financial literacy rates.”

— Pat Dalton, Cofounder of Millie

Action beats hesitation every time - and your journey to financial freedom starts now. Download the budgeting tool, take control of your money, and start building the life you’ve always wanted!

Download the budgeting tool

FAQs

Savings and budget calculator.

What’s the first step in improving my finances?

How do I know if I’m ready to start saving?

Can I use these strategies if I have debt?

What if I don’t have a lot of money to invest?

How will your app help me stay on track?

Do the creators of Millie have experience in finance?

Join the Founder's Club.

Be one of the select few women building finance fearless futures.

Join Millie and get:

1 year of Premium on us.
Expert-led webinars and workshops.
Member-only discounts with partner brands.
Access to a private community of women on the same path.
Simply give your feedback to join.

Join the Founder's Club.

Be one of the select few women building finance fearless futures.

Join Millie and get:

1 year of Premium on us.
Expert-led webinars and workshops.
Member-only discounts with partner brands.
Access to a private community of women on the same path.
Simply give your feedback to join.

Join the Founder's Club.

Be one of the select few women building finance fearless futures.

Join Millie and get:

1 year of Premium on us.
Expert-led webinars and workshops.
Member-only discounts with partner brands.
Access to a private community of women on the same path.
Simply give your feedback to join.

Finance fearless, Thriving and Proud.

Financial clarity, built around real life.

Terms and conditions

Millie Finance Pty Ltd (ABN 71 679 493 808) is an Authorised Representative (No. 001322367) of iGoDirect Group Pty Ltd (ABN 17 110 897 320) AFSL No. 551294 and in this capacity provides general financial product advice in respect of non-cash payment products, to retail and wholesale clients. This website contains general information/advice only. We have not taken into consideration any of your objectives, financial situation or needs or any information we hold about you when providing this general information/advice. Further, this website does not contain, and should not be read as containing, any recommendations to you in relation to a financial product. Before taking any action, you should consider whether the general information/advice contained in this website is appropriate to you having regard to your circumstances and needs and seek appropriate professional advice if you think you need it. Everyone’s situation is different, and we haven’t considered your financial situation. You can contact us at hello@getmillie.ai

Finance fearless, Thriving and Proud.

Financial clarity, built around real life.

Terms and conditions

Finance fearless, Thriving and Proud.

Financial clarity, built around real life.

Terms and conditions