GRAYROCK MONEY

Understand Your Money. Stay in Control.

Whether you’re looking for greater clarity over your money or a better way to review your trading performance, Grayrock provides focused tools built around the decisions that matter.

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All Your Accounts in One Place

Organise bank accounts, cash, credit cards, savings, e-wallets and other accounts in one clear view.

Plan What Comes Next

Create budgets and financial goals to help manage spending and stay focused on what you want to achieve.

MONEY MANAGEMENT MADE CLEAR

Your Money, Without the Accounting Complexity.

Grayrock Money is built for individuals and small businesses that want to understand and manage their finances without navigating traditional accounting software.
Bring accounts, transactions, budgets, goals and upcoming commitments together in one structured view designed around everyday money decisions.

Track
Understand
Plan
Control

Know Where Your Money Goes

Track income and expenses to understand what comes in, what goes out and where your money is being spent.

Stay Ahead of Commitments

Keep track of upcoming bills and recurring transactions so you can see what is coming before it affects your available money.

EVERYDAY MONEY MANAGEMENT

Everything You Need to Understand Your Money

Smart tools that automate tasks, reveal insights, and boost business outcomes — effortlessly and efficiently.

Accounts

Keep personal, business and mixed accounts organised in one place.

Income & Expenses

Record and understand where money comes from and where it goes.

Upcoming & Recurring

Stay aware of bills, income and other financial commitments before they happen.

Budgets

Set practical spending limits and track progress throughout the month.

Goals

Create financial goals and monitor progress toward what matters.

Report Insights

Turn financial activity into clear information that is easier to understand.

PERSONAL + BUSINESS

One Place for the Different Sides of Your Money

Personal and business finances do not always live in completely separate worlds. Grayrock Money is designed to handle the way money is actually used.

Personal

Keep personal accounts, income and expenses organised and easy to understand.

Business

Track business money separately without the complexity of traditional accounting software.

Mixed

Manage accounts used for both personal and business purposes while classifying individual transactions appropriately.

One real balance Clear classifications Flexible views

SIMPLE BY DESIGN

Get Started Without the Complexity

Add Your Accounts

Set up the accounts you want to manage and organise them as Personal, Business or Mixed.

Add or Import Transactions

Start recording activity or bring existing financial history from CSV or Excel.

Understand Your Money

Use the dashboard, budgets, goals and reports to see where your money stands and what needs attention.

SEE THE BIGGER PICTURE

Know Where Your Money Stands.

Account balances alone don’t tell the whole story. Grayrock Money brings your financial activity together so you can understand your overall position at a glance.

Net Worth

See the combined position of your assets and liabilities.

Cash Flow

Understand the movement of income and expenses over time.

Saving Rate

See how much of your income you are keeping.

Upcoming Commitments

Know what is expected before it affects your available money.

REPORTS & INSIGHTS

Turn Financial Activity into Clear Information.

Grayrock Money organises everyday financial activity into practical reports that help you understand patterns without requiring accounting knowledge.

Income vs Expenses
Spending by Category
Cash Flow
Account Activity
Budget Performance
Financial Trends

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GRAYROCK MONEY PRICING

Simple Pricing. No Accounting Complexity.

Choose the plan that fits the way you manage your money, with clear features and straightforward pricing.

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FAQs

Frequently Asked Questions

We know choosing the right software can raise a lot of questions. That’s why we’ve put together answers to the most common ones

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What is Grayrock Money?

Grayrock Money is a personal and small-business money-management platform designed to help you understand what you have, what you earn, what you spend and what is coming next.

It brings accounts, transactions, budgets, goals, recurring commitments and financial insights together in one clear system — without the complexity of traditional accounting software.

Is Grayrock Money accounting software?

No. Grayrock Money is designed for money management, not accounting.

It focuses on helping you track, understand, plan and control your money. It does not provide traditional accounting functions such as general ledgers, journal entries, GST or tax filing, accounts receivable/payable, payroll or inventory management.

Can I manage both personal and business money?

Yes. Grayrock Money is designed to support Personal, Business and Mixed financial activity within the same workspace.

You can view everything together for an overall picture or focus specifically on Personal or Business activity when needed.

What is a Mixed account?

A Mixed account is an account that you use for both personal and business purposes.

The account maintains one real balance, while individual transactions can be classified as Personal or Business. This gives you a clearer understanding of how the account is being used without creating artificial separate balances.

Can I import data from another money-management app?

Yes. Grayrock Money is being designed to make moving from another money-management system easier.

Rather than requiring a specific integration for every application, you can import supported transaction files, map your existing data to Grayrock Money fields, review the information and confirm it before importing.

Does Grayrock Money support CSV and Excel files?

Yes. Grayrock Money is designed to support both CSV (.csv) and Excel (.xlsx) files for data import.

The import process allows you to map relevant columns, validate the information and preview your data before completing the import.

How are transfers between my accounts handled?

Transfers move money from one of your accounts to another.

Grayrock Money treats them as transfers rather than income or expenses. This means moving your own money between accounts does not artificially increase your income, expenses, cash flow, saving rate or budget usage.

Can I track budgets and financial goals?

Yes. You can use budgets to monitor spending and goals to track progress toward financial targets.

These features are designed to work alongside your accounts and transactions, giving you a clearer picture of both your current financial activity and what you are working toward.

Is Grayrock Money suitable for a small business?

Yes. Grayrock Money is designed for individuals and small businesses that need a practical way to understand and manage money without requiring a full accounting system.

It can help organise business accounts, income, expenses, budgets, upcoming commitments and financial activity. However, it does not replace accounting, bookkeeping or tax software where those functions are required.

How is my financial information protected?

Grayrock Money is being designed with security, privacy and responsible data handling as core considerations.

Security measures will include protected authentication, server-side access controls, workspace isolation, secure handling of uploaded files and appropriate safeguards for stored data.

We should keep this wording intentionally measured until the production infrastructure is finalized, rather than making claims such as “100% secure” or naming encryption/security standards that haven't yet been verified.

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