Stop tracking spending. Start fixing your finances. Funance is the Australian-built dashboard with 59 personalised recommendations, full ATO tax modelling, mortgage scenarios, debt strategy and 19 Australian credit cards analysed, all in one place.
You spent $400 on coffee. You know. The question Funance answers is the one that actually matters: what should you do about it?
Real ATO tax brackets. LITO and Medicare levy. Stamp duty per state. ABS capital city property data. Designed around the questions Australians actually ask, not generic global software.
No bank linking, no transaction feeds. You enter your real numbers and Funance does the heavy thinking: debt strategy, mortgage scenarios, super projections, retirement planning.
Free accounts run entirely in your browser. Nothing leaves your device. Pro accounts encrypt-and-sync via Supabase in Sydney. We never sell, share, or analyse individual data.
Eleven tabs across Finance, Life and Insights. Covering every major question Australian households face.
Income, expenses, actuals and variance line by line. Toggle 'Show actuals' to see exactly where you're over budget. Month-by-month historical view with year-over-year comparison.
Avalanche and snowball calculators. Mortgage offset modelling. Refinance comparator. Extra repayment forecasting. See exactly how fast you can be debt-free under each strategy.
Wedding, Holiday, FIRE, Investment Property, Vehicle, Renovation, Study, Baby, Emergency Fund, New Home, Custom. Each with starter checklists. New Home includes a full property calculator: deposit, stamp duty, LMI, repayments.
Across Cash Flow, Debt, Super, Tax, Insurance, Property, Subscriptions, Credit and more. All generated from your actual numbers, ranked by priority. Action items, not generic advice.
2025-26 ATO brackets with LITO and Medicare levy. Per-partner calculations for couples. Marginal rate detection. Net pay shown monthly and fortnightly. The numbers your accountant uses.
Real fees, real perks, real point earn rates. Amex Platinum, Qantas Ultimate, ANZ Black, CBA Diamond, Citi Prestige and more. See if your annual fee actually pays for itself or if you're leaving money on the table.
Extra mortgage repayments. Super top-ups. Rate rises and falls. Offset balances. Income changes. Downsizing. Alternative investing. Model the trade-offs side-by-side before you commit.
Quarterly residential property price indexes from the Australian Bureau of Statistics for the eight capital cities. Compare your assumed growth rate against published market data, refreshed each ABS release.
DGR-aware donation tracker with marginal-rate tax saving estimate. FY-by-FY view. Built for Australians who give and want to know the actual ATO impact.
Most apps fall into one of two camps. International generalists like PocketSmith, or Australian fintechs that monetise via lead-gen and credit-score upsells (Frollo, WeMoney). Funance is in a different category: deep Australian planning, no data harvesting, ad-free.
| Capability | Funance | PocketSmith | Frollo | WeMoney |
|---|---|---|---|---|
| Australian tax engine (ATO brackets, LITO, Medicare) | ✓ | ✗ | ✗ | ✗ |
| Australian credit card analyser (19 cards) | ✓ | ✗ | ✗ | ✗ |
| ABS capital city property data | ✓ | ✗ | ✗ | ✗ |
| Mortgage scenario modelling | ✓ | Limited | ✗ | ✗ |
| Personalised recommendations | 59 rules | Some | Generic | Generic |
| Charitable giving + tax | ✓ | ✗ | ✗ | ✗ |
| Goal calculators with checklists | 11 types | Generic | Generic | Generic |
| Sells your data / shows ads | Never | Never | Lead-gen* | Lead-gen* |
| Cloud sync across devices | Pro | Paid | ✓ | ✓ |
| Australian-built & based | Melbourne | NZ | Sydney | Sydney |
| Price (entry) | $0 / $9.90 mo | $9.95 mo | Free* | Free* |
*Frollo and WeMoney are free at the surface but monetise via lead-gen, credit-score upsells and B2B data partnerships. Comparison reflects publicly-listed features as of 2026.
“The avalanche calculator showed me I could be debt-free 4 years sooner if I paid the Amex off before the mortgage. Estimated $18,400 in interest saved over the life of the plan. We'd been doing it wrong for years.”
“Thought my $1,450 Citi Prestige fee was justified by the lounge access. Funance broke down actual benefit usage vs annual fee, I was getting $280 of value out of $1,400 in perks. Cancelled the card. Saved $1,170 a year, instantly.”
“The Advice tab flagged that I was over-paying tax by salary-sacrificing wrong, and pointed me to ATO carry-forward super contributions I had no idea existed. Tax saving this year: roughly $4,200. The recommendations alone paid for ten years of subscription.”
Start free. Upgrade when you're ready. No contracts, no fees, cancel anytime.
Free forever. No card required. Real Australian tax engine, real recommendations, real clarity.
Built in Melbourne · Australian English · Subscription-funded · Ad-free