How much does NestWise cost for families with kids?

NestWise costs $20 per year for the whole family (you, your partner, all your kids under 18). No per-user pricing. Cancel anytime.

What government payments does NestWise track for Australian families?

Child Care Subsidy (CCS), Family Tax Benefit Part A + Part B, the $971 FTB EOFY supplement per child, Parental Leave Pay, and state-based activity vouchers (Active Kids NSW, Get Active Kids VIC, Fair Play QLD, KidSport WA, and equivalents). Rates refresh every 20 March and 20 September.

Do I need to link my bank account?

No. NestWise works from CSV bank imports (upload the file from your online banking). No open-banking connection required. Runs local to your account, no third-party data sharing.

What is the $416 kid savings interest rule?

Under ATO minor-income rules, interest earned on savings accounts held by children under 18 above $416 per year is taxed at 66 cents per dollar (a penalty rate). NestWise flags kid savings accounts approaching this threshold before end of financial year so parents can restructure.

NestWise was built by a Chartered Accountant + parent, in Sydney Australia. Operated by Adelante Technologies Pty Ltd (ABN 19 678 163 490).

For families with kids

The family finance app that keeps it all connected.

Government payments your family may qualify for, school holidays, activity vouchers and the kid expenses you track — kept in one place with the dates and rate changes that affect them. $20/yr.

Save my family picture →See what’s inside →

Free calculators below · no signup needed

Try it now — no signup

See what you might be losing

Enter your family income, number of kids, and state. We’ll show the real dollars at risk from missed windows and bracket crossings this year.

Combined family income

Kids under 18

Your state

Your money-at-risk this year

Up to $2,128

For a family in NSW with 2 kids and $120,000 combined income. Below is the breakdown.

Where the money leaks

Miss a NSW activity voucher round

up to $0

Active and Creative Kids— up to $100 a child a year, for families who qualify on the income or card test. Voucher 1 (2026): apply for and use by 31 Dec 2026 · Voucher 2 (2026): available now, apply for and use by 14 Jul 2027

Kid savings account interest over $416/yr

up to $528

Interest above $416 per kid per year is taxed at 66¢ per dollar under ATO minor income rules. Watch this before EOFY.

Back-to-school + activity costs

up to $1,600

Uniforms, textbooks, camps, sport rego, dance shoes, birthday presents. Tracked per kid so the yearly total is visible before the year starts.

What NestWise replaces

What you juggle	Alone	With NestWise
CCS + FTB rate estimates	Log into Services AU each March + Sept	Auto-refreshed 20 Mar / 20 Sep
State activity voucher tracking	Set your own alarms per round	Nudged when each round opens
School holiday care planning	Shared calendar + guesswork	Auto per state, per term
Kids expenses ledger	Spreadsheet or nothing	Per-kid rollup for the year
Subscription audit for kid stuff	Manual bank scan	Auto-flagged from bank feed
$416 interest rule	Nobody warns you	Watched, flagged before EOFY
Bills paid marked automatically	Manual bill ticks	Bank match ticks it for you
Total cost	Your time + what you miss	$20/yr

Get NestWise for your family — $20/yr.

Less than a pack of nappies. Watches every entitlement, voucher, and bracket for your family. Cancel anytime.

Save my family picture →

Full app · $20/yr

What the paid app watches for you

CCS + FTB kept current

Rates refresh every 20 Mar / 20 Sep. Estimated payments update automatically. No re-typing income into a govt calculator.

Voucher round tracker

QLD Play On, Fair Play, WA KidSport, VIC Get Active, NSW Active + Creative. Nudges you when a round opens; ticks per kid.

School holiday tracker

Per state, per term. Plan care in advance — nanny, grandparents, OSHC vacation care. Auto-cost estimate.

Kids expenses ledger

Uniforms, textbooks, activities, birthdays, sports, dental. Per-kid rollup so you see the true cost per year.

Activity + subscription audit

Bank feed catches recurring kid-related spend. Flags subscriptions you forgot about. Sums them into your kids expenses view.

$416 kid savings interest rule

Warns you if kid savings account interest is over $416/yr — the point where minor income rules kick in and interest gets penalty-taxed.

Bill reminders + auto-mark-paid

Rates, insurance, school fees, camps. When your bank CSV shows the payment, the bill ticks itself off. No manual reconciliation.

Document reminders

Passport expiry, licence renewal, insurance renewal, medical records. Watched, not stored.

NestWise^®

For families with kids

The family finance app that keeps it all connected.

Government payments your family may qualify for, school holidays, activity vouchers and the kid expenses you track — kept in one place with the dates and rate changes that affect them. $20/yr.

Save my family picture →See what’s inside →

Free calculators below · no signup needed

Try it now — no signup

See what you might be losing

Enter your family income, number of kids, and state. We’ll show the real dollars at risk from missed windows and bracket crossings this year.

Combined family income

Kids under 18

Your state

Your money-at-risk this year

Up to $2,128

For a family in NSW with 2 kids and $120,000 combined income. Below is the breakdown.

Where the money leaks

Miss a NSW activity voucher round

up to $0

Kid savings account interest over $416/yr

up to $528

Interest above $416 per kid per year is taxed at 66¢ per dollar under ATO minor income rules. Watch this before EOFY.

Back-to-school + activity costs

up to $1,600

Uniforms, textbooks, camps, sport rego, dance shoes, birthday presents. Tracked per kid so the yearly total is visible before the year starts.

What NestWise replaces

What you juggle	Alone	With NestWise
CCS + FTB rate estimates	Log into Services AU each March + Sept	Auto-refreshed 20 Mar / 20 Sep
State activity voucher tracking	Set your own alarms per round	Nudged when each round opens
School holiday care planning	Shared calendar + guesswork	Auto per state, per term
Kids expenses ledger	Spreadsheet or nothing	Per-kid rollup for the year
Subscription audit for kid stuff	Manual bank scan	Auto-flagged from bank feed
$416 interest rule	Nobody warns you	Watched, flagged before EOFY
Bills paid marked automatically	Manual bill ticks	Bank match ticks it for you
Total cost	Your time + what you miss	$20/yr

Get NestWise for your family — $20/yr.

Less than a pack of nappies. Watches every entitlement, voucher, and bracket for your family. Cancel anytime.

Save my family picture →

Try before you sign up

Free calculators for families with kids

60 seconds each. No account. Real Australian rates for 2026-27.

CCS calculator

Child Care Subsidy — up to 90% off gap fee. Under the $88,520 threshold, most families get the max rate.

Try it →

FTB estimator

Family Tax Benefit A + B. Includes the $971 EOFY supplement per child (if under $80,000).

Try it →

Child Support estimator

For separated / separating parents. Full Services AU formula with self-support amount + care %.

Try it →

Tax deduction finder

Occupation-specific list. Nurses / tradies / teachers / office / self-employed / WFH. No login.

Try it →

WFH deduction calc

ATO fixed-rate $1/hr method + actual-cost check. Prompts what beats what for your setup.

Try it →

PPL calculator

Paid Parental Leave $ / week + eligibility. For a new baby joining the family (or a second/third).

Try it →

Full app · $20/yr

What the paid app watches for you

CCS + FTB kept current

Rates refresh every 20 Mar / 20 Sep. Estimated payments update automatically. No re-typing income into a govt calculator.

Voucher round tracker

QLD Play On, Fair Play, WA KidSport, VIC Get Active, NSW Active + Creative. Nudges you when a round opens; ticks per kid.

School holiday tracker

Per state, per term. Plan care in advance — nanny, grandparents, OSHC vacation care. Auto-cost estimate.

Kids expenses ledger

Uniforms, textbooks, activities, birthdays, sports, dental. Per-kid rollup so you see the true cost per year.

Activity + subscription audit

Bank feed catches recurring kid-related spend. Flags subscriptions you forgot about. Sums them into your kids expenses view.

$416 kid savings interest rule

Warns you if kid savings account interest is over $416/yr — the point where minor income rules kick in and interest gets penalty-taxed.

Bill reminders + auto-mark-paid

Rates, insurance, school fees, camps. When your bank CSV shows the payment, the bill ticks itself off. No manual reconciliation.

Document reminders

Passport expiry, licence renewal, insurance renewal, medical records. Watched, not stored.

One family app · $20 a year.

Less than a pack of nappies. Covers the whole family — you, your partner, all your kids. Cancel anytime.

Save my family picture →