Terms and Conditions

1. Who we are

Footing is an Australian business (ABN 79 101 664 732). In these terms "we", "us" and "our" mean Footing. "You" means the person using Footing. "Footing" means the website at myfooting.app and the Footing iPhone app, together with the Shortcuts we provide.

You can contact us at support@myfooting.app.

2. What Footing does

Footing is a personal budgeting tool for people paid in Australia. You enter your pay and settings and Footing estimates your tax, take-home pay and leave. It also helps you split your pay between savings, bills and everyday spending, track what you spend, and share a limited view with a household.

Footing does not connect to your bank, does not hold or move money, and does not read your Apple Wallet. It only knows what you enter, or what an iPhone Shortcut that you set up sends to it.

3. Estimates only, not advice

Every figure in Footing is a simplified estimate based on the information you enter. Nothing in Footing is financial product advice, tax advice, legal advice or any other professional advice, and it does not take into account your personal objectives, financial situation or needs.

We are not a registered tax agent or tax (financial) adviser, and we do not provide tax agent services. Your payslip, your employer, the Australian Taxation Office (ATO) and your award or agreement are the sources to rely on. You should check the figures against your own circumstances and get advice from a registered tax agent, financial adviser or your payroll department before making a financial decision.

You use the estimates at your own risk. Section 4 explains how they are worked out and what they leave out.

4. How the estimates work

This section explains the technical terms and calculations used in Footing.

Pay before tax (gross pay)

The amount your employer agrees to pay you for a pay period, before any tax is taken out.

Take-home pay (net pay)

Your pay before tax, less the tax and study loan repayment Footing estimates would be withheld. Footing uses this as the amount you have to split.

Tax withheld (PAYG withholding)

The tax your employer takes out of each payment and sends to the ATO. Footing estimates it using the ATO's published formulas for working out withholding (the tax-free threshold scale and the no tax-free threshold scale), using the rates that apply to payments from 1 July 2026. Footing converts your pay to a weekly amount, applies the formula, and converts it back to your pay period, rounding the same way the ATO's tables do. The formulas include the 2% Medicare levy.

Tax-free threshold

The amount of income each year that is not taxed. You can claim it with only one employer at a time, by saying so on your tax file number declaration. If it is claimed on more than one job, too little tax is withheld and you may owe the difference when you lodge your tax return. Footing asks which jobs claim it so it can estimate each job the way a payslip does.

Study loan (HECS-HELP and similar)

A government loan for education fees. If you have one, your employer withholds a repayment on top of tax. Footing estimates it using the ATO's formulas for study and training support loans. Your actual repayment is worked out when you lodge your tax return.

Medicare levy

A 2% levy on taxable income that helps fund Medicare. It is included in the withholding formulas. Footing does not work out whether you are entitled to a reduction or exemption.

Casual and contractor

Casual employees are paid a loading instead of paid leave, so Footing does not track leave for them. Contractors look after their own tax, so Footing does not estimate tax on contractor income and counts it as take-home pay in full.

Annual leave and personal leave

Footing estimates leave at the legal minimum under the National Employment Standards (NES): 4 weeks of paid annual leave and 10 days of paid personal (sick and carer's) leave for each year of full-time work, scaled to the hours you work. Days are worked out as your ordinary hours per week divided by 5 (using 38 hours a week if you have not set your hours). Leave is tracked separately for each employer. Your award, enterprise agreement or contract may give you more.

ADO (allocated day off)

A rostered day off that some workers earn under their award or agreement. There is no standard formula, so Footing does not estimate ADOs. It only adds up the hours that you enter as earned and used.

Savings, bills and everyday spending

Footing splits your take-home pay using percentages and amounts that you choose. Savings categories take a percentage. Bills (fixed expenses) are amounts you enter, which come out of every pay period. Everyday spending (the variable allowance) is a percentage of take-home pay for day-to-day costs. Whatever is left is shown as left over, or as over budget if the total goes above your pay.

Carry over and borrow

If you spend less than your everyday allowance, Footing lets you add the difference to a savings category or carry it into the next pay period. If you spend more, you can borrow against the next period. These are bookkeeping entries inside Footing only. No money moves.

Starting splits

When you set up, Footing can suggest a starting split based on the common 50/30/20 budgeting rule of thumb (about 50% needs, 30% everyday spending and 20% saving). It is a general starting point and not personal advice. You can change all of it.

Footing's tax estimates use the formulas published by the Australian Taxation Office (ATO) for payments made from 1 July 2026 (the 2026-27 income year). Footing is not affiliated with, or endorsed by, the ATO.

Estimates may differ from your payslip because of rounding, allowances, bonuses, salary sacrifice, tax offsets claimed on your tax declaration, fringe benefits, changes to tax rates, and anything else your employer handles differently. Footing does not estimate your end-of-year tax return, superannuation or tax offsets.

5. Your account

• You must be 16 or older to create an account.
• Give us accurate information and keep your login details private. You are responsible for everything done under your account.
• Choose a strong password. Footing requires at least 8 characters including a capital letter, a lower-case letter, a number and a special character.
• Tell us at once if you think someone else has accessed your account. You can change your password in Profile at any time.
• Each person should use their own account. Sharing money information with a partner or housemate should be done through a household (section 7).

6. Your information

You own the information you enter into Footing. You give us permission to store, process and display it only so that we can provide Footing to you (and, if you use a household, to the other members as described in section 7). Our Privacy Policy explains what we collect and how it is handled.

You are responsible for making sure the information you enter is yours to enter and is accurate.

7. Households

You can link your account to a household with other people using an invite code. Other members of your household can see your take-home pay, your bills and the progress of your savings goals. They cannot see your leave balances, ADO balances, tax settings or your individual spending entries.

Each invite code works once and expires after 48 hours. You can leave a household at any time. If the person who created a household deletes their account, the household stays for the remaining members and is removed when the last member leaves. Only share a code with someone you trust.

8. iPhone Shortcuts and Apple Pay

Footing offers optional iPhone Shortcuts (the Triple Tap shortcut, the Apple Pay automation and the nightly sync). They run on your own iPhone using Apple's Shortcuts app and send the details of a purchase (the shop name, the time and the amount) to Footing so it can be added to your account.

• Shortcuts use a token, which is a long secret code you create in Profile. Anyone who has your token can add spending to your account, so keep it private. You can delete a token at any time and the shortcut using it stops working straight away.
• Shortcuts depend on Apple and on your bank. They only work if Apple's Wallet passes the payment details to the shortcut. Some banks and cards do not provide the amount, some payments are delayed, and Apple can change how Wallet and Shortcuts work at any time. We cannot promise that a shortcut will work with every card.
• Where a card does not provide an amount, you can add the purchase yourself in Footing. Some payments may appear in Footing waiting for you to add the amount.
• Shortcuts can only record purchases that you choose to send. Footing never has access to your Apple Wallet, your cards or your bank.

9. Acceptable use

You agree not to:

• use Footing for anything unlawful, or to store information that is not yours to store;
• try to access another person's account or data, or to get around any security or access control;
• interfere with or disrupt Footing, or send it automated, excessive or harmful requests;
• copy, reverse engineer or resell Footing, except where the law allows it; or
• use Footing in a way that could harm us, other users or any third party.

10. Cost

Footing is currently free to use. If we introduce paid features in future, they will be clearly labelled and you will not be charged unless you choose to buy them. Purchases made through the Apple App Store are also subject to Apple's terms.

11. Availability and changes to Footing

We work to keep Footing available and your data safe, but we do not promise that it will always be available, error free or secure, or that your data will never be lost. Keep your own record of anything important, such as your payslips.

We may change, add or remove features, or suspend or stop Footing, at any time. Where we reasonably can, we will tell you about significant changes first.

Footing depends on services provided by others, including Supabase, Cloudflare, Resend, Google and Apple. We are not responsible for problems caused by those services.

12. Ending your account

You can delete your account at any time from the Profile page. Deleting your account permanently deletes all of your data straight away. There is no recovery period, and at the time of writing we do not keep separate backups. If you are in a household, it stays for the other members.

We may suspend or close an account if you break these terms, if we reasonably think the account is being misused, or if we stop providing Footing.

13. Liability

Nothing in these terms excludes, restricts or modifies any right or remedy you have under the Australian Consumer Law or any other law that cannot be excluded.

Subject to that, and to the extent the law allows: Footing and its estimates are provided "as is" and "as available"; we are not liable for any loss that results from you relying on an estimate or making a financial decision using Footing; and we are not liable for indirect or consequential loss, loss of profit, loss of data, or loss caused by events outside our reasonable control, including outages of the services described in section 11. Where we are liable and the law lets us limit our liability, it is limited to resupplying Footing to you or the cost of doing so.

14. Apple App Store

If you download Footing from the Apple App Store, these terms are between you and us only, and not with Apple. Apple has no obligation to provide support or maintenance for Footing, and is not responsible for any claim relating to it. Apple and its subsidiaries are third-party beneficiaries of these terms for the iPhone app and may enforce them against you. You must also follow Apple's Media Services Terms and Conditions and any other terms that apply to the App Store.

15. Intellectual property

We own Footing, including its design, text, code and the Shortcuts we provide, except for the information you enter and third-party material. We give you a personal, non-exclusive, non-transferable, revocable right to use Footing for your own personal budgeting in line with these terms.

16. Changes to these terms

We may update these terms from time to time. The date at the top shows when they were last updated, and we will post the new version here. If a change is significant, we will tell you in Footing or by email. Using Footing after a change means you accept the updated terms.

17. Governing law

These terms are governed by the laws of New South Wales, Australia. You and we submit to the non-exclusive jurisdiction of the courts of New South Wales and the Commonwealth of Australia.

18. Contact us

Questions about these terms? Email support@myfooting.app.