Come home from holidays in the black.

Back to Black is a money planner app for holidays and life's big costs. Put a little aside each payday, and the trip is paid for before you go. No bank login.

On iPhone and the web. Android is coming soon.

Bali family trip14–28 Jan · 4 people
Ready$0of $4,800
Filling a little each payday
Sound familiar?

The holiday ends. The statement doesn't.

You get home, and the trip arrives on the card. Then it follows you for months. Or it's Christmas, then January.

A fresh coconut on a blue table at the beach in Bali, with sun loungers and waves behind
Card statement3 Feb
Flights to Bali$2,100.00
Villa, 14 nights$1,400.00
Eating out$380.00
Tours and activities$260.00
Closing balance$0.00owed
Minimum due $83.00 by 3 Mar

Australians who went into debt over the 2025 holidays owed $1,581 on average, and most expected it to take one to five months to pay off. Finder survey of 1,006 Australians, Jan 2026

Choose your way in

Where are you starting from?

Both lead to the same app. Pick one, and the examples below follow you.

How it works

Three steps. About two minutes to start.

ExampleChristmas · $900
Ready$0of $900 · $150 each payday
Paydays
1
2
3
4
5
6
1

Plan it

Pick a plan, then add the costs and the date. Christmas: presents, lunch, the drive to Mum's.

2

Put a little aside each payday

The app works out the amount, so it's ready a week early. You move it in your own bank, then tick it off.

3

Come back in the black

It's paid for before it starts. When it's over, the wrap-up shows it was your own money.

Every size of plan

From the big trip to Friday dinner.

Same idea every time: know the cost, and have it ready.

Family trip to Bali14–28 Jan · 4 people
Cost$4,800
$400 each payday12 paydays, ready a week early
Try itWhat would you put aside?
Plan
Cost
$3,000
When
You get paid
Put aside$250 each payday12 fortnightly paydays, ready a week before.
An example only. The app uses your real paydays and what you've already set aside.
Together

Together, it costs less.

Everything costs more. Share the plan with the people you're doing it with, and it gets lighter. Everyone sees the same plan, so nobody has to chase anyone.

Christmas lunch with your siblings5 people
The beach house with mates6 people
The trip home to see family4 people
Who's covering whatComing soon

Split a plan's costs between the people in it. Everyone sees their share and how ready it is, sorted before the weekend, not an awkward “you owe me” after.

Beach house weekendFri 8 Jan · $1,800 · $300 each
You$300 of $300
Josh$250 of $300
Priya$300 of $300
Sam$150 of $300
Mia$100 of $300
Tom$200 of $300

Shared lists too: groceries, packing and gifts.

Honest about credit

Black means covered. Red means borrowed.

Everyday spending is never red. Red only appears when something is on credit or overdue, and it always comes with a word.

One rule, everywhere
WoolworthsGroceries · Mon
$86.40My money
BunningsHome and garden · Tue
$129.00Credit
Groceries budgetOctober
Over by $12
Bali family trip14–28 Jan
Ready
Gold: ready, coveredRed: on credit, overdueEveryday: never red
If something does go on the card

It stays on its plan, marked “on credit”, until it's paid down. It never counts as ready, and it never counts twice.

$1,400 on credit for the villa, paid down $250 each payday.
No bank login

You stay in control.

Snap a receipt or a banking screenshot. The details fill in for you to check, and you choose what goes in.

Check it's rightRead 4 details
$129.00
WhereBunnings Warehouse
WhenTue 13 Oct
CategoryHome and garden
Paid withCredit
Receipt photoBanking screenshot or CSVType it in
You don't link your bank. You add spending yourself.
Your data is stored in Sydney.
Our app servers, and the AI that reads your receipts and screenshots, are in the US.
The AI reads images. It doesn't give advice.
Yasin Hasan, founder of Back to Black
Why it exists
“Every holiday, I came back in the red. So I built Back to Black.”

I'd plan the trip for months, then come home to a card bill that hung around until winter. I didn't want a budget. I wanted the trip paid for before we left, so that's what the app does.

Questions people ask

Short answers. If yours isn't here, ask on LinkedIn.

No. You add spending yourself: snap a receipt, upload a banking screenshot, or type it in.

You came back in the black.

Start with one plan.

Pick the next big cost, and put a little aside this payday.

At your desk?Scan to get it on your phone, or open the web app here.
Plan ahead. Stay in the black.