#1 Money Management App for Participants in Supported Independent Living

SpendAble supports SIL participants
to live independently with safe and
simple spending

Join thousands across Australia who use SpendAble to manage their money, cover daily tasks and support needs, and build skills for more independent living.
Features

A debit card designed specifically for NDIS participants in Supported Independent Living

With the right support you need to be able to manage your money and stay in control. Get full visibility and control over each transaction so you can live as independently as possible.

Create your budget

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Split your money into budgets for expenses like groceries, activities and daily spending so you can spend with confidence

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Check your budget balances anytime to stay on top of daily living costs

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Get the support you need to make positive decisions that align with your budget 

SpendAble app and card

Track your spending

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View receipts for all spending by your support workers to give you and your support coordinator full transparency

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Upload photos of your own receipts to track your spending on everyday needs 

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Feel confident that your money is being used the way you want and for building your skills

Receipts and evidence on the SpendAble platform

Connect support workers

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Securely connect support workers to your money when they need to pay for your needs 

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Decide which budgets your supporters can access so you're always in control of what they can spend 

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Add or remove support workers with one click to easily manage access 

Different users on the SpendAble platform

Control your Money

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Decide whether cash out is allowed for each budget based on your daily needs

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Set daily, weekly, fortnightly or monthly spending limits 

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Block certain merchants if you don’t want money spent at places like alcohol stores or retail outlets, giving you more control and support with daily decisions

Set spending rules with SpendAble

We're helping thousands of people like you, but don’t just take our word for it

“SpendAble provides our clients with choice and control, all the information is updated in the app and it holds all of our proof of purchases.  It’s a pleasure using a product like SpendAble”
Mandy
Service Provider
“SpendAble is the best platform I have ever used to track my money. It helps me track what I spent, what the items I bought look like and keeps my support workers and I accountable for my spending. If you live with a disability, you won't regret giving SpendAble a go”
Pete
Participant
“Great team that truely care about empowering participants to manage their money. We recommend SpendAble to any provider looking to increase transparency, accountability and ease of money handling in the NDIS”
John
Service Provider
“My support workers can transact on my behalf without giving out my bank card or cash ever again. My life has completely changed with SpendAble”
Chris
Participant
“Highly recommend SpendAble, their product makes managing money simple - a well thought out product”
Jonathon
Provider
“SpendAble provides our clients with choice and control, all the information is updated in the app and it holds all of our proof of purchases.  It’s a pleasure using a product like SpendAble”
Mandy
Service Provider
“SpendAble is the best platform I have ever used to track my money. It helps me track what I spent, what the items I bought look like and keeps my support workers and I accountable for my spending. If you live with a disability, you won't regret giving SpendAble a go”
Pete
Participant
“Great team that truely care about empowering participants to manage their money. We recommend SpendAble to any provider looking to increase transparency, accountability and ease of money handling in the NDIS”
John
Service Provider
“My support workers can transact on my behalf without giving out my bank card or cash ever again. My life has completely changed with SpendAble”
Chris
Participant
“Highly recommend SpendAble, their product makes managing money simple - a well thought out product”
Jonathon
Provider
“Amazing team that actually care about the community. Highly recommend SpendAble!”
Luke
Participant
“Working with the team from SpendAble is always a genuine business partnership, focussed on real life solutions towards empowering and supporting some of the most vulnerable members of our communities."
Daniel
Service Provider
“SpendAble has been a life change for our family, our son and his support team. It has helped our son develop essential and necessary money handling skills, while ensuring an invaluable layer of accountability, responsibility and transparency which protects our son and his dedicated support team”
Deb
Parent
“Could not speak more highly of the SpendAble team. Their timely, friendly and approachable manner with either tech support or questions in relation to their SpendAble solutions is top notch. Their passion and knowledge in relation to the products is second to none - You're in safe hands with SpendAble!”
Emma
Provider
“SpendAble has been wonderful in customising a program for the person I referred. The flexibility and time they spent in ensuring their program will work for the person is amazing. A great resource.”
Sue
Support Coordinator
“Amazing team that actually care about the community. Highly recommend SpendAble!”
Luke
Participant
“Working with the team from SpendAble is always a genuine business partnership, focussed on real life solutions towards empowering and supporting some of the most vulnerable members of our communities."
Daniel
Service Provider
“SpendAble has been a life change for our family, our son and his support team. It has helped our son develop essential and necessary money handling skills, while ensuring an invaluable layer of accountability, responsibility and transparency which protects our son and his dedicated support team”
Deb
Parent
“Could not speak more highly of the SpendAble team. Their timely, friendly and approachable manner with either tech support or questions in relation to their SpendAble solutions is top notch. Their passion and knowledge in relation to the products is second to none - You're in safe hands with SpendAble!”
Emma
Provider
“SpendAble has been wonderful in customising a program for the person I referred. The flexibility and time they spent in ensuring their program will work for the person is amazing. A great resource.”
Sue
Support Coordinator
“The team at SpendAble are amazing - focused on the outcomes for the people that matter, and responsive to individual's support requirements. Very easy to work with as well!”
Lachlan
Service Provider
“SpendAble are really changing sector with their targeted, impactful solution to making quality and transparency easy!Cannot think of a better product on the market!”
Jesse
Support Coordinator
“SpendAble are really making a difference in the disability sector and great to work with.Highly recommend the work that they are doing!”
Sebastian
Service Provider
“SpendAble has been a game-changer for NDIS participants! The user-friendly platform simplifies budgeting and tracking and their knowledgeable and caring team provides personalised support, making financial management stress-free! I would highly recommend their services!”
Celine
Behavioural Support Practitioner
“The SpendAble team are doing great work addressing some of the critical financial process gaps that exist in the healthcare space for individuals to have better access to the care they need.”
Steve
Healthcare
“The team at SpendAble are amazing - focused on the outcomes for the people that matter, and responsive to individual's support requirements. Very easy to work with as well!”
Lachlan
Service Provider
“SpendAble are really changing sector with their targeted, impactful solution to making quality and transparency easy!Cannot think of a better product on the market!”
Jesse
Support Coordinator
“SpendAble are really making a difference in the disability sector and great to work with.Highly recommend the work that they are doing!”
Sebastian
Service Provider
“SpendAble has been a game-changer for NDIS participants! The user-friendly platform simplifies budgeting and tracking and their knowledgeable and caring team provides personalised support, making financial management stress-free! I would highly recommend their services!”
Celine
Behavioural Support Practitioner
“The SpendAble team are doing great work addressing some of the critical financial process gaps that exist in the healthcare space for individuals to have better access to the care they need.”
Steve
Healthcare

Get started today

SpendAble is the only financial platform 100% National Disability Insurance Scheme (NDIS) funded, meaning you'll never be out of pocket for the financial security you deserve

Starter

$15
/month

Paid yearly, 100% NDIS funded

For participants with the capacity to handle their money, who may need support from their carers to pay at times

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Access to the only debit card built for NDIS participants
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Real time visibility over every dollar spent
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Connect 1 support worker
Get Started

Value

$25
/month

Paid yearly, 100% NDIS funded

For participants who handle their money, but need support to stick to their budget and want to build their skills

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All the benefits of starter plus:
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Spending rules to better protect your money
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Segment money into 'wallets' to help you budget and achieve your goals
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Dashboards to track your spending with ease
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Connect up to 3 support workers
Get Started

Want safer and more transparent spending with Australia’s #1 money management app for participants in SIL?

Chris Kessaris, SpendAble CFO

Frequently Asked Questions

Who is SpendAble for?

SpendAble is designed for participants living in Supported Independent Living who:
– Have support workers who help make purchases or manage day-to-day spending
– Want to build confidence, skills, and independence when it comes to managing their money

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How does SpendAble keep me safe?

SpendAble helps you stay in control of your money while living in SIL by allowing you to:
– Decide who can access your money when support workers need to pay for you
– Know exactly who made each payment
– View all spending details and uploaded receipts in one place
– Set clear rules around how money can be spent, based on your personal goals
– Avoid handing over your bank card or cash when others are helping with purchases

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Are there any hidden costs?

No, you won’t pay extra. Everything you need is included in the SpendAble plan you choose. All features designed to support you in your daily living.

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How do I get SpendAble funded through the NDIS as a plan or self managed participant?

SpendAble is classed as low-risk, low-cost assistive technology and can be funded through your NDIS plan using either core/consumables or a capital AT budget. If you feel SpendAble is a good fit, you’ll receive an invoice to either claim directly through the portal or pass on to your plan manager to process the claim.

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How many support workers can access money safely with SpendAble?

SpendAble lets you see exactly which support worker spent your money, how much they spent, where it was spent, and what it was used for. This gives you real-time transparency and control without needing to hand over your own card or cash when someone makes a purchase for you.

Whether you're using SpendAble in your everyday life or within NDIS supported independent living or accommodation services, you can grant or remove a support worker’s access in seconds using the SpendAble Budget Hub.

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What does SpendAble cost?

SpendAble's participant platform has 3 different plans dependent on your needs.

SpendAble Starter — $180 per year
SpendAble Value — $300 per year
SpendAble Premium — $660 per year

You can see all inclusions to choose the plan that is right for you on our pricing page

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What if I change my mind?

SpendAble has a 90 day-money back guarantee for all participants so you can be confident you've made the right decision

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How do I get SpendAble funded through the NDIS as an NDIA managed participant?

SpendAble can help agency-managed participants get funded through the NDIA by working with our trusted partner, The Brainary. Your onboarding representative will collect the details needed and connect you with The Brainary to process the payment easily using your NDIS plan.

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How does SpendAble track unauthorised transactions? 

SpendAble uses features to help identify unusual activity like purchases made in unexpected locations or for irregular amounts. We identify who pays for every transaction, so it’s always clear who made each transaction.

To maintain control and transparency, budget managers can easily review all spending in real time. Each transaction includes required receipts or photo uploads, and any concerns can be flagged through SpendAble’s built-in dispute resolution tools, available both in the app and in the Budget Hub.

While SpendAble provides full visibility, it's also important that budget managers regularly review spending to ensure money is used according to the participant’s goals and needs.

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