Yes, the Free plan gives you Overview, Budget and Debts tabs running locally in your browser. The Pro plan ($9.90/month or $79/year) unlocks all 11 tabs plus cloud sync across devices.

How is Funance different from PocketSmith, Frollo or WeMoney?

Funance is built specifically for Australian households with deeper financial planning than competitors. It includes 59 personalised recommendations, full 2025-26 ATO tax modelling, a 19-card Australian credit card portfolio analyser, ABS capital city property market data, and what-if mortgage scenario modelling. Unlike Frollo and WeMoney which monetise via lead-gen and credit-score upsells, Funance is funded only by subscriptions, your data is never sold.

Does Funance connect to my bank?

Funance is a planning and analysis tool, not a transaction tracker. You enter your numbers manually, which means no bank credentials shared, no open banking consent, no risk of credential leaks. Many Australians prefer this for sensitive financial planning.

Free accounts store data locally in your browser, nothing leaves your device. Pro accounts sync via encrypted Supabase storage hosted in Sydney. We never sell, share or analyse individual user data.

Can I cancel anytime?

Yes. Pro subscriptions cancel anytime through Stripe Customer Portal, no contracts, no fees. Your data remains accessible locally on the Free plan.

Does Funance handle Australian tax?

Yes. Funance includes a full 2025-26 ATO tax calculator with marginal brackets, Low Income Tax Offset (LITO), Medicare levy, per-partner calculations for couples, and net pay shown monthly and fortnightly.

Welcome to Funance: why we built another finance app

This is the first post on the Funance blog, so it’s probably a good place to explain what Funance is and what it isn’t.

The short version

Funance is an Australian-built personal finance dashboard. It’s designed for households who want to plan, not just track. The free version covers your budget and your debts. The Pro version adds the rest: scenario modelling, credit card analysis, charitable giving, the full advice engine, and cloud sync across devices.

It runs in your browser. There’s no app to install. It doesn’t connect to your bank. You enter your numbers, it does the heavy thinking.

Why "another" finance app

The honest answer is that I tried the existing ones and they didn’t do what I needed.

I have four kids, a mortgage, a partner, and the same questions every Australian household has. Should I put extra on the mortgage or in shares? Are we paying too much tax? Is our super going to be enough? Can we actually afford to renovate or is that a lie I’m telling myself?

The existing apps either tracked transactions (which is a different problem) or were US tools that didn’t understand the ATO, didn’t know what stamp duty was, and treated superannuation as if it didn’t exist. The ones that were built in Australia were owned by banks or fintechs whose business model was selling my data or upselling me on credit-score products. I didn’t want either.

So I built what I wanted, and along the way it turned out to be useful enough that other people might want it too.

What it’s good at

Real Australian tax modelling. Marginal brackets, LITO, Medicare levy, per-partner calculations.
Mortgage scenario modelling. Extra repayments, rate changes, offset balances, refinance comparisons. The kind of thing I used to do in spreadsheets and get wrong.
Debt strategy. Avalanche and snowball, with real timelines. The Debts tab models exactly when you’d be debt-free under each strategy and how much interest you’d save.
Credit cards, properly. 19 Australian premium cards with real fee/perk maths. Tells you whether your $1,450 fee actually pays for itself.
Goals. 11 different goal types with calculators built in. The New Home one handles stamp duty per state, LMI, deposit, repayments. Saves you opening 4 different government websites.

What it isn’t

It’s not a transaction tracker. It doesn’t hook up to your bank, doesn’t categorise your spending automatically, doesn’t alert you that you spent $40 at the bottle shop on Friday night. There are good apps that do that. This isn’t one of them.

It’s not financial advice. It’s a calculation and modelling tool. The recommendations are generated from your numbers using rules that any good financial planner would apply. But I’m not a financial adviser, and Funance isn’t one either. Talk to a real adviser before you make a major decision.

It’s also not free in the way some other apps are free. The free tier is genuinely useful: budget, debts, tax modelling. But the deep planning features sit behind Pro. The reason is simple: there’s no other revenue. No ads, no data sales, no upsells to credit products. Just $9.90 a month, or $79 a year, from people who get value out of it.

Where it’s going

The roadmap is focused on saving people money. The next round of work is a bill review engine that captures your bills, compares them against the live Australian market, and tells you where you can save. Energy first, then telco and internet, then insurance, then mortgage refinance.

The vision is for Funance to be the place you go to know whether you’re paying too much for anything in your household. Today it’s the planning. In 12 months, it’ll be the planning plus the savings. That’s when it really earns its keep.

How to get the most out of it

Five minutes of setup gets you most of the value. Open the app, fill in your income, your expenses, your debts. The dashboard updates as you go. Once it’s in, the Advice tab generates personalised recommendations based on your actual numbers. That’s where the value lives.

If you find a bug, hit reply on any Funance email. Goes straight to me. If you’ve got a feature request, same. The product is built by one person, in Melbourne, listening to what users actually need.

Welcome aboard.