Most budgeting apps stop at where the money went. Funance tracks that, then carries the same numbers through your debts, super, property and goals, using Australian tax rules the whole way.
Free forever · no card required · no bank login · runs in your browser
A budget on its own answers one question: did we overspend this month. That matters, but it is rarely the question keeping a household up at night. The bigger ones are whether the mortgage can take another rate rise, which debt to clear first, and whether the house deposit is two years away or five.
Funance is one app for all of it. The Budget tab tracks planned against actual spending, line by line. The same income and expenses then feed the debt payoff order, the net worth projection, the savings goals and the what-if scenarios, so nothing has to be typed in twice.
It is built in Melbourne, on 2026-27 ATO brackets, HECS thresholds and state stamp duty, because a budget built on the wrong take-home pay is wrong from the first line.
| Tab | What it tracks |
|---|---|
| Overview (free) | Net worth, savings rate and debt-free date on one screen |
| Budget (free) | Take-home pay after ATO tax, planned versus actual spending, bills |
| Debts (free) | Every loan and card, avalanche or snowball payoff order |
| What-If Scenarios | Rate rises, extra repayments, salary sacrifice |
| Assets & Net Worth | Super, property and shares, projected 1 to 10 years |
| Life Goals | 11 goal types, including deposit, stamp duty and LMI for a home |
| Subscriptions | Every recurring fee, annualised, shared ones split |
| Credit Card Tracker | 20 Australian cards, perks used against the annual fee |
| Charitable Giving | Donations and an estimated deduction at your marginal rate |
| Recommendations | Checks run against your numbers, ranked by dollar impact |
| Guide | Walkthroughs of every tab |
Eleven tabs. Overview, Budget and Debts are free; the rest are part of Pro.
What makes it different
Each budget line carries a planned figure and an actual one, with the variance between them and month-by-month history. You enter category totals rather than coding every transaction, which most households do in a few minutes a week.
Gross salary in, take-home pay out, on 2026-27 ATO brackets with the Low Income Tax Offset, the Medicare levy and HECS repayments. For couples it is calculated per partner, because Australia taxes individuals.
Partners have separate incomes, shared expenses can be split between you, and the split is shown on every line. Most apps treat a couple as one person with a bigger salary.
Funance never asks for banking credentials or open banking consent. On the free plan your data stays in your browser; Pro adds cloud sync across devices.
Questions
Related
Most budgets fail in week three, when the car registration arrives and the plan quietly stops matching reality. Funance budgets on planned versus actual, so the gap is visible instead of fatal.
Budget planner for Australians →Most finance apps are international products with the currency symbol swapped. Funance is built around the ATO, the states and the super system, because those are the rules that actually decide what you keep.
Personal finance app for Australia →Two households with identical debts and identical budgets can finish years apart, purely on payoff order. Funance shows both strategies side by side with your numbers, then gives you a date.
Debt repayment calculator →Set up your household in about ten minutes. No card needed, no bank login, and a free tier waiting if you don't continue.
Free forever · no card required · no bank login · runs in your browser
Funance