FunanceThe Funance blogAustralian money, explained properly.
No jargon, no affiliate links, no "top 10 credit cards" filler. Just the Australian rules that actually affect your household, worked through with real numbers.
13 articles
Your tax return is history. This year is the one you can still change.
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.
Read the articleThe RBA held rates at 4.35%. Here’s what that actually means.
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.
Renovate or move? Why the maths now favours staying put
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.
Best personal finance apps in Australia (2026): an honest comparison
Frollo, WeMoney, Up, PocketSmith, YNAB and the rest, compared properly for Australians. Written by one of the apps on the list, which is exactly why we tell you when a competitor is the better pick.
HECS indexation hits 1 June 2026. Here’s exactly how much it’ll add to your debt.
In two weeks the ATO will add somewhere between $700 and $1,000 to the average HECS balance. The exact rate drops late May. Here’s the maths, the one move that beats it, and the strategy mistakes to avoid.
The 2026-27 Federal Budget, plain English. What changes for you (whichever Aussie you are).
Negative gearing, capital gains tax, three rounds of tax cuts. The biggest tax changes since GST. We bust the worst myths and walk through what each demographic actually needs to know.
The RBA just hiked rates to 4.35%. Here’s what that actually means for your budget.
On 5 May 2026 the RBA pushed the cash rate up by 25 basis points to 4.35%. We unpack what it means for your mortgage, your weekly shop, and why it’s a big part of why we built Funance.
The subscription trap: how we all cancelled Foxtel and ended up paying more
Cutting the cord was meant to save you money. Then Stan, Netflix, Disney+, Binge, Paramount+, Amazon Prime, Apple TV+, Kayo, and Spotify happened. Here’s how to actually get ahead.
Avalanche vs Snowball: which actually pays off debt faster for Australian households?
Two strategies. Both work. One saves you more money. The other keeps you motivated. Here’s how to pick, with a real Australian example.
Is your $1,450 Amex Platinum actually worth it?
The marketing says it pays for itself. The reality depends on whether you actually use the perks. Here’s how to work out if your premium card is making you money or burning it.
First home buyer: how much do you actually need to save?
The "20% deposit" rule is folklore. Stamp duty, LMI, conveyancing, and buffer cash are the real numbers. Here’s the honest math for an Australian first home buyer.
How much super do you actually need at 60? Three numbers, three lifestyles.
The ASFA "comfortable retirement" benchmark gets quoted everywhere. We break down what it really takes to retire at 60, 65, or 67 in Australia, and how to know if you’re on track.
Welcome to Funance: why we built another finance app
There are plenty of finance apps. Most of them are either banking apps with a budgeting tab bolted on, or US tools awkwardly converted for Australian users. We wanted something else.