MoneySTRETCH Overview

A Tool for Financial Confidence in Uncertain Times

What is MoneySTRETCH?

The pivotal question is,

“Do you have a clear picture of how long your funds will last?”


In the current climate of heightened uncertainty, understanding your financial standing is more crucial than ever. To make well-informed decisions, especially in matters of money management, we need certainty.

That’s precisely why we’ve dedicated ourselves to creating MoneySTRETCH —an interactive self-assessment tool meticulously crafted to assist you in projecting the impact on cash flow and available funds based on potential future financial decisions, whether within or beyond your control.

  • Are you anticipating changes in income or expenses?
  • Your loan rate has gone up from 2% to 7% – Can you afford to hold your property?
  • Considering a sabbatical?
  • Planning for parenthood,
  • Or contemplating a career shift?

Through the utilisation of this tool, you not only acquire invaluable insights but also identify necessary actions and, ideally, attain peace of mind in the realm of financial management.


In the ever-evolving landscape of personal finance, the importance of understanding how long your money will last has never been more crucial. At Moorrs, we’ve recognized this need, and we’re thrilled to introduce you to MoneySTRETCH, an interactive self-assessment tool housed within the Moorrs Portal. This tool is designed to provide you with a clear understanding of your financial standing, especially in the face of potential income changes.

To summarise, here’s what MoneySTRETCH is all about:

  • MoneySTRETCH is a money management tool within the Moorr platform.
  • It’s an interactive tool accessible through the web or desktop version, recommended for use with Chrome.
  • The primary problem it addresses is understanding how changes in circumstances impact available funds.

Here’s what one of our users got to say about MoneySTRETCH:

In the face of uncertainties, Moorr’s MoneySTRETCH empowers you to strategically manage your finances. Analyse your spending patterns, review expenses, and identify areas where adjustments can be made.

The tool’s sandbox feature ensures a risk-free environment for exploration, allowing you to build financial resilience without affecting your LIVE data.

It aims to provide a tool for making informed financial decisions rather than emotional or irrational ones.

How to Use this Tool?

Once you’ve created your Free Moorr Account, here’s what you do next:

Step 1 : Go to the MoneySTRETCH page in Moorr. Import your current financial position data, using the Import Live Data button. A copy of your live financial Position data has been created within this interactive sandpit, allowing you to input various changes to these figures and explore different scenarios that will impact your monthly cashflow and savings buffers (cash on hand).

Step 2 : Start playing: You can adjust incomes, by way of example – reducing income when starting a family. You can adjust Essential and Discretionary Spending for individual expense items within the Bills and Spending titles. You can adjust Total Loan Repayments, Investment Property and or Other Property costs to gauge their impacts.

Finally, if you want to make these adjusted figures your new Live Financial Position figures you can export via the publish changes button.

It’s free to create an account on Moorr! Simply go to and follow the prompts.

If you would like to access MoneySTRETCH, we recommend you create a free account on your computer. The experience will be smoother for you with a bigger screen size 😊

Frequently Asked Questions

Once you have imported your data into MoneySTRETCH, you are in a “sandpit” environment. This means, no mater how much changes you make, it won’t affect your existing data.

However, if you like to “apply” that changes that you’ve made, simply click on the “Publish Changes” button on the MoneySTRETCH page and it’ll update the changes that you’ve done.

Pretty much everything you can think of!

It addresses scenarios like changes in income (e.g., going down to one income, pay cut etc) and expenses (the impact of interest rate changes on financial flows, additional kid etc.)

It’s all down to your unique scenario.

By visualizing different scenarios, it helps users make informed decisions, avoiding irrational or emotional choices.

So let’s say for example, if your interest rate has gone from 2% to 7% and you’re wondering if you can afford to hold that property with your current spending levels. Just go to MoneySTRETCH, import your data, change your interest rate level and voila! It’ll show you a trend line on your cashflow position and how many months will it take till you hit zero.

How would this help with your decision?

Well, you can then go ahead and adjust your spending pattern. Reduce your spend on eating out or spend less on holiday. Or perhaps, get a second part time job instead? Punch in the numbers and you’ll know if your cashflow can sustain it or not.

This works with other scenarios too! For example, going for a sabbatical or a maternity leave.

But of course, it does not substitute professional advice. 

It’s important to always consult an experienced professional before making any financial decisions.

Only if you want to! 

Once you’ve played around with your expenses and income and is keen to adopt the new spending pattern, just click on the “Publish Changes” button to reflect in the overall budget.

Certainly! We’ve got over 60 tools in the Moorr Platform.

Check out all our tools and features here:

It’s really up to you but we’re excited to let you know that there is no limit to your Free Moorr Account 😊

It can be used for as little as 10 minutes or as much as 10 hours, depending on your preference for scenario analysis.

Need more help?

Had enough of trying everything else? Just keen to have a yarn with a real, living, most likely human being? No worries! We’re here to lend a hand with any questions, concerns, or issues you’ve got. Our Support Team is stoked to tackle any queries you’ve got about Moorr. Whether you’re battling to sort out tricky expenses, reckon you’ve found a bug, or perhaps you’ve got a great idea for the app, we’re all ears!

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