Every snowball starts small.
We help everyday Australians learn to take control of their money.
“The poor and the middle class work for money. The rich have money work for them.”Robert Kiyosaki
The real problem
You’re not bad with money. Nobody ever explained the system.
There’s probably a few grand sitting in your super right now, and no clue whether it’s any good, so it just quietly rides along for the next 40 years.
Project your super →Every time you save a bit, prices jump a bit more, and just for fun there’s a whole alphabet in the way: FHSS, stamp duty, LMI.
See what you can borrow →Everyone says just invest, then throws ETFs, brokers and franking credits at you and disappears the second you ask how to start with $500.
Start with $500 →You earn, you spend, you save a little, but you still can’t tell if you’re ahead or just treading water, because real life forgot to include a scoreboard.
Get your number →Snowball turns each of these into a plain-English number you can actually act on. See the tools →
One home for all your money
Calculators, quizzes, checklists, guides, book reviews and a full course. All in one place.
Create an account and keep it all together: the guides you saved, your quiz results, where you got to in the course.
Our latest guides
Book ReviewsThe Big Short Review: What It Teaches an Australian ReaderMichael Lewis on the people who saw it coming. Read for the incentives, the complexity that hid the risk, and what happens when everyone agrees prices cannot fall.
Book ReviewsRich Dad's Guide to Investing Review: Read It CriticallyThe reframe is genuinely useful: investing is a plan, not a product. The structures, the tax and the investor categories are American, and a lot of it does not cross the Pacific.
Book ReviewsNever Split the Difference Review: Does It Work in Australia?Chris Voss's negotiation book is genuinely useful for pay rises, rent and car yards. The catch is that his most theatrical tactics land badly in an Australian room.
Book ReviewsAtomic Habits Summary: The Four Laws, Explained ProperlyThe four laws of behaviour change, habit stacking, the two minute rule and identity based habits, distilled. Plus what each one looks like applied to your money.
Getting StartedShort Selling in Australia: How It Works and the RulesYour gain is capped at the share going to zero. Your loss has no ceiling at all. How covered shorts work, what ASIC requires, and why most people should watch rather than play.
Getting StartedWhat Is a Share Buyback, and Should You Take the Offer?Why an off-market buyback can offer less than the market price and still be worth taking, why that depends entirely on your tax position, and why you never have to say yes.
Getting StartedHow to Buy CBA Shares (and the Exposure You Already Have)The mechanics take ten minutes. The part worth reading is why you may already own plenty of CBA through your ETF and your super without realising it.
Getting StartedIVV ETF: What You Actually Own for 0.04% a YearIVV costs $4 a year per $10,000 and has been on the ASX since 2000. What is inside it, how top-heavy it really is, and where it fits next to an Australian fund.Premium spreadsheets
& trackers
Ready-to-use budget trackers, savings planners and investment logs, built to turn a plan into a habit.
Let your money
snowball over time.
Australia's money news and our best reads, once a week.