#1 Care Providers Money Management App

Client funds management, made simple for care providers with SpendAble

Spend less time on admin work and more time on care. Stay compliant, streamline finances, and help participants gain financial confidence — all in one place.
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We're trusted by thousands, because we do what other money handling solutions can't
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Why SpendAble?

We exist to give care providers...

More time

More Time

More money

More Money

More safety

More Safety

Through a user-friendly, custom-built financial management solution co-built with NDIS participants, carers, and industry experts, you can simplify handling of client money when your staff pay.

Plans

The perfect solution for every care provider

SpendAble Free

Most common for providers who want to eliminate admin time managing cash for clients

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Reduce client funds record keeping from hours to seconds

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Real time view of every logged transaction

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Transparency for you, your participants and their parents

SpendAble Professional

Most common for providers wanting a cashless client funds management solution that is Quality & Safeguard compliant and maximises participant capacity

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Save thousands of hours reconciling transactions

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Cut needless costs — you'll never have to absorb losses from overspend again

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See all transaction across your business in real time

SpendAble Enterprise

Most common for large organisations who handle the personal funds of 100+ participants

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Manage client funds at enterprise scale, without compromising personalised support

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Security & compliance covered from integration to audit

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Manage any spending, of any tender method, in one, easy-to-use system

Why choose SpendAble over other solutions?

View Breakdown
Compare provider SpendAble platform to alternatives

10 reasons Australia’s leading care providers and participants trust SpendAble, the care providers money management app

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1. FREE cards issued

Participant's receive their own card, while staff use dedicated support worker cards, making financial management seamless and transparent without hidden costs.
2. Save thousands of hours reconciling transactions
Automate tracking across your finance, service delivery, and support worker teams, so you can focus on delivering quality care.
3. Cut needless participant costs
You'll never have to absorb losses from staff overspending again. Our software makes it easy to track and manage expenses in real-time.
4. Report back to families in seconds
Centralise and send transactions, receipts, and statements with just one click to keep information updated and transparent.
5. Easy to use
Train your staff and support workers in just five minutes, making financial management effortless for your team.
6. Never chase missing data again
Proof of purchases and transaction records are always at your fingertips, saving you time and ensuring compliance.
7. You're always audit ready
Our software compiles transactions and receipts automatically, so you’re prepared at all times.
8. See business wide transactions in real time
Get complete oversight and control over staff spending, helping you make informed decisions instantly.
9. Support participant capacity building
Shift from paying on behalf without giving up financial oversight. Help participants gain independence while staying accountable.
10. Industry leading
Australia’s #1 money management app for providers, participants, and families — with a dedicated support team that’s easy to work with.

We're trusted by Australia's leading care providers — 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

Want to save time and money with Australia's
#1 care providers money management app?

Chris Kessaris, SpendAble CFO

Frequently Asked Questions

Who is SpendAble for?

SpendAble is designed for support care providers who help clients manage their personal funds. It’s a trusted solution for aged care and NDIS providers, Child & Family Services, and Trustee/Guardian organisations across Australia. SpendAble simplifies financial management for care managers and their teams.

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How does SpendAble save our staff time?

SpendAble ensures staff never have to:
— manually record transactions on paper
— store or scan receipts
— complete cash counts
— manually reconcile ledgers

Your admin staff also gain real time access to records to speed up record keeping processes and reduce errors

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How many support workers can access money safely with SpendAble?

There is no limit to the number of support workers or care workers you can add to your provider business account. Whether you're managing a large team or a small group, SpendAble scales with you.

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Does every support worker need their own card?

No. SpendAble's unique system allows common cards to be 'checked out' within seconds by a staff member, without compromising your record keeping. For example:

— Support worker arrives at SIL house to do groceries
— Worker logs into their account and selects the SIL house account, and how long they need the card for
— Support worker takes the house card, pays and uploads photo of receipt
— Transaction record will show all details, receipts and tell you which support worker made the payment

You get the benefit of easy, fast and simple processes without compromising on your compliance requirements

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Can we use SpendAble for joint costs and business expenses?

Yes. SpendAble can be used for any spending needs your business has including:
— Managing personal funds of clients
— Managing joint costs of SIL/STA
— Procuring payments for groups and day programs
— Business expense management
— Cash management

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How does SpendAble protect my data?

Your data is securely stored in Australia at a highly protected data centre in Sydney & Melbourne. With advanced encryption, the SpendAble team implements security measures, including firewalls, malware prevention, regular backups, and strict user management protocols.

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What does SpendAble cost?

SpendAble's provider platform has 3 different pricing tiers that cater to the different needs of providers.

SpendAble Basic — starts at $0
SpendAble Professional — starts at $189
SpendAble Enterprise — custom pricing

You can view the specific inclusions of each plan to decide which one is right for you on our provider pricing page

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How does SpendAble solve our compliance challenges?

Quality & Safeguards Standard 4 — SpendAble captures all records required for your reporting automatically, in real time, without the manual errors or time delays

Environmental Restraint — SpendAble ensures you have the oversight and governance over how your staff access client funds, without ever removing a participants access, choice and control over their personal funds. You get the best of both worlds!

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Can support workers use one log in to access any money we give them access to?

Yes. Each staff member will receive a unique log in which they can use. Care workers can only spend within the rules and budgets set by their care managers, keeping finances transparent and controlled.

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How does participant funds get to a SpendAble account?

You never have to hold the personal funds of clients in your business banking environment. Families or financial guardians can directly deposit funds into the SpendAble participant account via bank transfer.

This streamlines your process, keeping client funds separate from business funds at all times.

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How does SpendAble track unauthorised transactions? 

SpendAble uses smart tracking tools to flag irregular transactions, such as unexpected locations or spending patterns. The best care software should empower budget managers, which is why SpendAble includes intuitive oversight tools like:
— Required receipts and photos for every transaction done by your staff
— A built-in dispute resolution feature
— Identifies which user pays every time, ensuring full transaction visibility

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What can I expect from onboarding with SpendAble?

The SpendAble team provides a structured and hassle-free onboarding experience, guiding you through every step to seamlessly integrate financial management into your existing systems. From setting up accounts and training staff to automating NDIS payment tracking, care delivery, and NDIS invoicing, our onboarding process is designed to be efficient and stress-free.

With expert guidance, a structured setup process, and intuitive tools, SpendAble helps you get up and running quickly, so your team can stay focused on providing the best support.

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