Not Ready for a Financial Adviser?
Start Here Instead.

Not Ready for a
Financial Adviser?
Start Here Instead.

Not Ready for a Financial Adviser?
Start Here Instead.

A self-paced money app with tools, step-by-step courses, and expert guidance - so you can save more, invest smarter, and feel confident with your next money move.

A self-paced money app with tools, step-by-step courses, and expert guidance - so you can save more, invest smarter, and feel confident with your next money move.

Start Your Free 7-Day Trial

Trusted by Thousands of Australians

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Turn Uncertainty into Wins - in 3 Simple Steps

Turn Uncertainty into Wins -
in 3 Simple Steps

A clear plan, tools that work, and support when you need it.

Start Your Free 7-Day Trial

1. Set Your Starting Point

Answer a few quick questions so we can personalise your learning plan and highlight where to focus first.

2. Unlock Your Money Tools

Get instant access to step-by-step deep-dive courses to help you save more, invest smarter, buy your first property, sort your super, and more.

3. Make Your Next Smart Move

Once you’ve nailed your first focus area, use our tools to plan the next move that will make the biggest difference to your progress.

1. Set Your Starting Point

Answer a few quick questions so we can personalise your learning plan and highlight where to focus first.

2. Unlock Your Money Tools

Get instant access to step-by-step deep-dive courses to help you save more, invest smarter, buy your first property, sort your super, and more.

3. Make Your Next Smart Move

Once you’ve nailed your first focus area, use our tools to plan the next move that will make the biggest difference to your progress.

Money is hard…

No one teaches you how to make money work - they just 'expect' you to know.

No one teaches you how to make money work - they just 'expect' you to know.

66%

of Australians don’t feel financially secure. It’s tough to feel confident about the future when it always feels like you’re behind.

AMP Financial Wellness Report 2024

3.8%

is the average amount saved from income each month. Most people want to get ahead - but real progress feels slow. Or impossible.

 Australian Bureau of Statistics National Accounts

49%

have no investments outside super or their home. It’s easy to think investing isn’t for you - especially when no one has ever taught you how to start.

ASX Australian Investor Study 2023

Why Members Join

Why Members Join

Real progress in just 6 - weeks.

If you’ve ever felt stuck, behind, or worried you “missed the boat” - these numbers prove it’s possible to get real results, no matter where you start.

Real progress in just 6 - weeks.

If you’ve ever felt stuck, behind, or worried you “missed the boat” - these numbers prove it’s possible to get real results, no matter where you start.

Start Your Free 7-Day Trial

60%

60%

Invested over $1,000 in six weeks

Invested over $1,000 in six weeks

> $20K

in pay rises secured by members who took action

> $20K

in pay rises secured by members who took action

85%

85%

said they felt more confident with their money after joining

said they felt more confident with their money after joining

72%

found extra cash and increased their weekly investments

72%

found extra cash and increased their weekly investments

Trusted by Businesses Across Australia

Trusted by Businesses Across Australia

Costanza Romero

SMA Member

The weekly challenges helped me build a routine, review our banking and expenses, and increase our investments.

Costanza Romero

SMA Member

The weekly challenges helped me build a routine, review our banking and expenses, and increase our investments.

Costanza Romero

SMA Member

The weekly challenges helped me build a routine, review our banking and expenses, and increase our investments.

Luke Watkins

SMA Member

The Smart money accelerator is a great teaching tool. All the content and information is invaluable!!

Luke Watkins

SMA Member

The Smart money accelerator is a great teaching tool. All the content and information is invaluable!!

Luke Watkins

SMA Member

The Smart money accelerator is a great teaching tool. All the content and information is invaluable!!

View our Member feedback

What You Get

Everything You Need to Take Control - In One App.

Guided lessons, step-by-step courses, real-world tools and expert support - all designed to help you take action and stay on track.

Save Smarter, Faster

Free up cash in under 15 minutes a month - without cutting back on the things you love.

Grow Your Surplus

Build up to $2K/month in savings to invest, grow, or buy your first or next property.

Grow Your Surplus

Build up to $2K/month in savings to invest, grow, or buy your first or next property.

Replace Your Salary By Investing

Start investing like a pro - even if you’re starting from scratch.

Buy Property Sooner

Cut years off your property timeline with a clear strategy and game plan.

Buy Property Sooner

Cut years off your property timeline with a clear strategy and game plan.

Pay Less Tax, Keep More

Cut your tax bill (legally) to free up money to save, invest, or spend.

Pay Less Tax, Keep More

Cut your tax bill (legally) to free up money to save, invest, or spend.

Super, Sorted

Make your super money work for you, not just your super company.

Super, Sorted

Make your super money work for you, not just your super company.

Start Your Free 7-Day Trial

Inside Your Membership

Get Ahead, Faster

Learn From Australia's Most Awarded Financial Advice Firm

Learn From Australia's Most Awarded Financial Advice Firm

Deep Dive Courses to Level Up
Deep Dive Courses to
Level Up

Your guide to getting ahead with your money without the guesswork

Replace Your Salary

Buy Property Like A Pro

Lazy Banking Framework

Sort Out Your Super

View all courses

Sexy Investing

View all courses

View all courses

Buying Your Dream Home

Debt Recycling Blueprint

Investing For Your Kids

Monthly Live Q&A's

Answered by Australia's Most Awarded Financial Advice Team

Short Money Tactics On Demand

On-demand lessons and tools to help you invest smarter

Money Challenges & Rewards

Get Rewarded When You Make Smart Money Moves

Get $1,899 in Bonuses Free
Join Smart Money Accelerator Today

Join Smart Money Accelerator Today
Get $1,899 in
Bonuses Free

Included free for new members before April 2026

Property Strategy Pack

Mortgage Health Check

Breakthrough Report

1:1 Advice Credit ($500)

Mortgage Comparison & Health Check

$500 Credit for 1:1 Financial Advice*

Total Bonus Value: $1,899

Bonuses disappear in:

29 : 23 : 02 : 07

*$500 Credit for Annual Members only

Start Your Free 7-Day Trial

Monthly

Yearly

Lite

$79/mo.

Pro

FREE TRIAL

$99/mo.

Unlock more features for faster results

Everything in Lite, plus:

All Courses & New Releases

7-Day Guarantee

BONUS: Money Report

BONUS: Property Strategy Session

2x Private Coaching Calls

Start Your 7-Day Free Trial

Buy Now

Plus

$299/mo.

Get Started

Start Free - Upgrade When You’re Ready

All plans are 12-month commitments and begin with a 7-day free trial.
Explore the app, take action, and pick the plan that fits your goals best.

Monthly

Yearly

Lite

$79

/month

12-month Membership | Pay Monthly

Everything you need to get started:

Access to all Lessons

Community forum & support

Smart Money Stages Tracker

Monthly Live Q&A

7-Day Guarantee

All Courses & New Releases

Free 7-Day Trial

Buy Now

Pro

$99

/month

Unlock more features for faster results:

12-month Membership | Pay Monthly

Everything in Lite, plus:

All Courses & New Releases

7-Day Guarantee

BONUS: Money Report

BONUS: Property Strategy Session

2x Private Coaching Calls

Free 7-Day Trial

Buy Now

Plus

$299

/month

12-month Membership | Pay Monthly

The full wealth-building experience:

Everything in Pro, plus:

2x Private coaching calls

Premium Chat Support

7-Day Guarantee

BONUS: Money Report

BONUS: Property Strategy Session

Free 7-Day Trial

Buy Now

Our Guarantee

Still Not Sure?
7-Day Money Back Guarantee

We’re so confident the Membership will deliver that if you jump in and don’t feel it’s right for you within the first 7 days - we’ll give you a full refund. No questions asked.

And here’s the best part: you’ll still walk away with the Money Breakthrough Report and the Smart Money Stages Tracker - together valued at $398 - completely free.

This isn’t about forcing a fit. If it’s not for you, that’s okay. But we think once you get inside, you’ll see exactly why thousands of Australians are using this to take control.

Start Your Free 7-Day Trial

Rated 4.7 of 5

Real Results From Real People

Trusted by Businesses Across Australia

Trusted by Businesses Across Australia

View our Member feedback

“This should be your first step.”

The best part of Pivot and Smart Money Accelerator, is it is accessible to all. Whether you have no idea about your money and where it goes or you think you are all over it and want a little bit more to take it to the next level.

Steven L

Smart Money Accelerator Member

SMA Member

Costanza Romero

SMA Member

The weekly challenges helped me build a routine, review our banking and expenses, and increase our investments.

Costanza Romero

SMA Member

The weekly challenges helped me build a routine, review our banking and expenses, and increase our investments.

Costanza Romero

SMA Member

The weekly challenges helped me build a routine, review our banking and expenses, and increase our investments.

Luke Watkins

SMA Member

The Smart money accelerator is a great teaching tool. All the content and information is invaluable!!

Luke Watkins

SMA Member

The Smart money accelerator is a great teaching tool. All the content and information is invaluable!!

Luke Watkins

SMA Member

The Smart money accelerator is a great teaching tool. All the content and information is invaluable!!

Suzanne Graham

SMA Member

I wanted to invest, but it always felt like something for 'later'—or something only seasoned finance people could do. After completing the 6-week challenge, I’ve invested just over $2,000.

Suzanne Graham

SMA Member

I wanted to invest, but it always felt like something for 'later'—or something only seasoned finance people could do. After completing the 6-week challenge, I’ve invested just over $2,000.

Suzanne Graham

SMA Member

I wanted to invest, but it always felt like something for 'later'—or something only seasoned finance people could do. After completing the 6-week challenge, I’ve invested just over $2,000.

Andrea Ryan

SMA Member

Before joining the Smart Money Accelerator Investing Challenge, I struggled with consistency. After working with Smart Money Accelerator, I invested over 500 in just 6-weeks

Andrea Ryan

SMA Member

Before joining the Smart Money Accelerator Investing Challenge, I struggled with consistency. After working with Smart Money Accelerator, I invested over 500 in just 6-weeks

Andrea Ryan

SMA Member

Before joining the Smart Money Accelerator Investing Challenge, I struggled with consistency. After working with Smart Money Accelerator, I invested over 500 in just 6-weeks

Bec A

SMA Member

I struggled knowing how to start micro investing using apps. After working with Smart Money Accelerator, I was able to get started and feel so much more confident in just 6-weeks.

Bec A

SMA Member

I struggled knowing how to start micro investing using apps. After working with Smart Money Accelerator, I was able to get started and feel so much more confident in just 6-weeks.

Bec A

SMA Member

I struggled knowing how to start micro investing using apps. After working with Smart Money Accelerator, I was able to get started and feel so much more confident in just 6-weeks.

Jessica Ashworth

SMA Member

Before joining SMA, I struggled with bugdeting and investing. After, I came out with a detailed, easy to follow plan for our budget and invested over a $1000 in just 6 weeks.

Jessica Ashworth

SMA Member

Before joining SMA, I struggled with bugdeting and investing. After, I came out with a detailed, easy to follow plan for our budget and invested over a $1000 in just 6 weeks.

Jessica Ashworth

SMA Member

Before joining SMA, I struggled with bugdeting and investing. After, I came out with a detailed, easy to follow plan for our budget and invested over a $1000 in just 6 weeks.

Get Started Today

The best time to get started with your money was ten years ago. The second best time is before you talk yourself out of it again.

Start Your Free 7-Day Trial

Get Started Today

The best time to get started with your money was ten years ago. The second best time is before you talk yourself out of it again.

Start Your Free 7-Day Trial

Get Started Today

The best time to get started with your money was ten years ago. The second best time is before you talk yourself out of it again.

Start Your Free 7-Day Trial

Frequently Asked Questions

Check our frequently asked questions.

🆓 Is there a free trial?

🧐 How does the money back guarantee work?

💻 What’s included with the membership?

🧠 What can the AI assistant actually help with?

👥 Can my partner and I share an account?

💰 What if my income is over $250K?

🏡 I just bought a property. Is this still relevant?

📅 Is there an ideal age range for this?

🎙️ When are coaching calls available in Plus Memberships?

💳 What if I want to cancel my membership?

Start Your Free 7-Day Trial