Save first.
Borrow smarter.
Never fall behind.
Build real savings with structure—and access funds when you need them, without breaking your progress.
No credit checks. No debt traps.
Beta Testing now!
Your money. Structured. Automated.
Simple.
The SmartMoni app helps you build savings, access funds, and stay on track—without managing repayments or adjusting your budget.
Access cash in advance or take out a loan—without the stress of managing repayments.
SmartMoni is built to make saving and borrowing simple. Instead of worrying about due dates or budgeting for repayments, everything is structured into your savings plan.
It starts with creating a withdrawal-restricted savings account and setting up automatic deposits—weekly, fortnightly, or monthly.
When you use SmartSpending or SmartLoan, repayments happen automatically:
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30% of each deposit goes toward cash advance repayment
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Your final monthly deposit goes toward loan repayment
This means you don’t need to track repayments, adjust your budget, or remember due dates.
You stay focused on saving—while everything else is handled for you.
Key Features
Three tools. One system. Built to keep you on track.
SmartMoni combines structured savings with flexible access to funds—all powered by one automated plan.
SmartSavings
Build real savings with structure.
SmartSavings is a withdrawal-restricted savings plan designed to help you stay consistent and reach your goals.
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Set your start and end date.
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Choose weekly, fortnightly, or monthly deposits.
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Funds are locked until your chosen end date.
Built to remove temptation and build discipline.
SmartSpending
Access cash when you need it—without disrupting your savings.
SmartSpending gives you a cash advance based on your savings. This is provided by SmartMoni—not taken from your savings.
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Access up to 60% of your savings balance
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Funds come from SmartMoni, not your savings
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30% of each deposit goes toward repayment automatically
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70% continues growing your savings
No need to track or manage repayments—everything is handled within your savings plan.
SmartLoan
Borrow more when needed—with your savings as backing.
SmartLoan allows you to access larger funds instantly using your savings as collateral.
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Borrow 1× or 2× your savings
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No credit checks required
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Instant approval
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Final deposit of each month goes toward repayment
Simple, structured, and fully automated.
HOW THEY WORK TOGETHER
One system. Not separate features.
SmartMoni works as a complete system:
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You build savings through SmartSavings
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You access flexibility through SmartSpending
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You unlock larger funds through SmartLoan
All managed through one automated savings plan.
AUTOMATION
Everything runs automatically
SmartMoni removes the need to manage money manually:
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Deposits are automatic
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Repayments are automatic
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No due dates to track
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No separate budgeting required
You focus on saving—while everything else is handled for you.
About SmartMoni
SmartMoni is an Australian financial technology platform built to help everyday people take control of their money, grow consistent savings, and reduce financial stress.
As a subsidiary of Makanisi Group Pty Ltd, SmartMoni was created with a simple but powerful idea: saving money shouldn’t feel impossible.
What We Do
SmartMoni provides a modern approach to personal finance by combining disciplined saving with flexible financial support.
Our platform is designed to:
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Encourage consistent saving habits
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Help users stay committed to their financial goals
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Provide safe and structured access to funds when needed
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Reduce the stress of managing everyday finances
We believe financial tools should work with you—not against you.
Why SmartMoni Matters
In recent years, many Australians have found it increasingly difficult to build meaningful savings. Financial stress has become a common part of everyday life.
SmartMoni exists to bridge this gap—giving people a practical way to build savings while maintaining financial flexibility.
Our Vision
To empower individuals across Australia to build stronger financial futures through smarter saving and responsible access to money.
Our Mission
To make saving simple, structured, and achievable for everyone.
Where We’re Headed
SmartMoni is currently in its beta phase, with a full launch planned before the end of 2026. We are continuously improving our platform to deliver a secure, reliable, and user-focused experience.
Our Story
SmartMoni was founded by Dixon Kumis, a software developer and IT professional with a strong entrepreneurial mindset. Like many Australians, he experienced firsthand how difficult it can be to build and maintain savings in today’s economic environment.
Unexpected expenses, rising living costs, and the temptation to dip into savings often make financial goals feel out of reach. SmartMoni was created to change that—by offering a smarter, more structured way to save while still providing access to funds when needed.