Funance is the Australian-built planner with real ATO tax modelling, mortgage scenarios, debt strategy and 51 personalised recommendations, all from the numbers you actually have.
Everything free for 14 days · no card required · no bank login · free tier after that
Sample of the Funance dashboard using demonstration figures, not real user data.
Why Funance
Bank apps are good at the rear-view mirror and stop there. Funance starts with the same picture, what came in, what went out and what is still owing, then answers the questions that actually keep Australian households up at night.
The difference
Not a US app with the dollar sign swapped. Every calculation is built around the rules Australians actually live under.
No bank linking, no transaction feeds. You enter your real numbers and Funance does the heavy thinking.
Subscription-funded, so you are the customer rather than the product. No lead generation, no ads, ever.
Income, expenses and every bill in one view, with what's been paid and what hasn't. It is the first thing you set up, and everything else, your savings rate, your debt-free date, whether a goal is realistic, is calculated from it.
On a laptop — the whole month
Sample budget using demonstration figures, not real user data.
| Line | Planned | Actual |
|---|---|---|
| Income | ||
| Salary, combined | 8,600 | 8,600 |
| Expenses | ||
| Mortgage Paid | 2,400 | 2,400 |
| Groceries Paid | 1,000 | 1,180 |
| Water Overdue | 155 | 165 |
| Car rego Due 26th | 0 | 865 |
| Subscriptions 7 services | 190 | 199 |
| Everything else | 1,900 | 1,740 |
| Left over | 2,955 | 2,051 |
On a phone — what's still owing
Sample bill list using demonstration figures.
Budget, bills and the full month view are on the free plan. The subscriptions breakdown, every service annualised and ranked against what you actually use, is Pro.
The nine jobs Funance does, across eleven tabs, from this month's bills to the next thirty years.
Income, expenses, actuals and variance line by line. Month-by-month history with year-on-year comparison, plus a simplified mobile view for quick entry.
Budget planner for Australians →Avalanche and snowball calculators, mortgage offset modelling, refinance comparator and extra-repayment forecasting. See how fast debt-free actually is.
Debt repayment calculator →Wedding, holiday, FIRE, investment property, vehicle, renovation, study, baby, emergency fund, new home and custom. New Home covers deposit, stamp duty, LMI and repayments.
Savings goal calculator →Across cash flow, debt, super, tax, insurance, property, subscriptions and credit. Generated from your actual numbers and ranked by priority.
2026-27 ATO brackets with LITO and Medicare levy, per-partner calculations for couples, marginal rate detection, and net pay monthly and fortnightly.
Personal finance app for Australia →Real fees, perks and earn rates for the major Australian cards. See whether your annual fee actually pays for itself, or whether you're leaving value behind.
Credit card annual fee calculator →Extra repayments, super top-ups, rate rises and falls, offset balances, income changes, downsizing. Model the trade-offs side by side before you commit.
Mortgage rate rise calculator →Quarterly residential price indexes for the eight capitals, straight from the Australian Bureau of Statistics. Sanity-check your growth assumptions against published data.
Home equity calculator →DGR-aware donation tracking with marginal-rate tax saving estimates, financial year by financial year. For Australians who give and want to know the real impact.
Honest comparison
We built one of these, which is exactly why we tell you where the others win. Frollo and WeMoney are free and automatic. PocketSmith forecasts further. If that is what you need, take it.
| Feature | Funance | PocketSmith | Frollo | WeMoney |
|---|---|---|---|---|
| Australian tax engine (ATO brackets, LITO, HECS) | Yes | No | No | No |
| Mortgage rate-rise scenarios | Yes | Partial | No | No |
| Stamp duty by state, with FHB concessions | Yes | No | No | No |
| Credit card annual-fee analyser (20 cards) | Yes | No | No | No |
| ABS capital city property data | Yes | No | No | No |
| Superannuation projections | Yes | No | No | No |
| Automated bank feeds | No | Yes | Yes | Yes |
| Free credit score | No | No | No | Yes |
| Works with no bank login at all | Yes | No | No | No |
| Sells or monetises your data | Never | No | Referrals | Referrals |
| Built and hosted in Australia | Yes | NZ | Yes | Yes |
| Price | Free / $9.90m | From ~$14m | Free | Free / paid tiers |
Want the long version? Read our honest comparison of the best personal finance apps in Australia, including the cases where we recommend a competitor over ourselves.
Early users
From the friends and family launch.
"The avalanche calculator showed us we'd been paying things off in the wrong order for years. Seeing the two strategies side by side with our own numbers was the moment it clicked."
"I assumed my card's annual fee was justified by the lounge access. Funance broke down what I was actually using against what I was paying. I cancelled the card that week."
"The Advice tab pointed me to carry-forward super contributions I had no idea existed. I took it to my accountant and she confirmed it. That one thing paid for the subscription many times over."
Pricing
Every feature free for 14 days, no card. Keep the free tier afterwards if you don't continue.
per month · or $79 a year, saving 33%
No card required. Cancel any time.
Nothing is charged — no card is taken up front. Your account moves to the Free plan and keeps the Overview, Budget and Debts tabs, the Australian tax estimator and every number you entered. Subscribe whenever it suits.
Questions
From the blog
Lodgment closes 31 October. Before you file the 2025-26 return, here is what the numbers actually tell you, and why the 2026-27 year that is already two months old deserves more of your attention.
On 11 August 2026 the RBA left the cash rate at 4.35% for the second meeting running. A plain-English explanation of what the RBA does, why it held, and what it changes for your mortgage and your budget.
Upgrading from a $1.1M home to a $1.5M one costs about $122,000 in transaction fees before you have changed a thing. With rates at 4.35% and battery rebates stepping down, the calculation has shifted.
Set up your household in about ten minutes. No bank login, no card, no commitment.
Free forever · no card required · no bank login · runs in your browser
Funance