FunanceIt looks backwards
Frollo sorts what already happened. Looking ahead is limited: the rate rise, the tax bill and the deposit you are saving for are left to you.
Funance vs FrolloFrollo shows you where it went.Funance shows you where it's going.
Knowing you spent $640 on groceries last month is not a plan. Frollo is good at the rear-view mirror. Funance is the windscreen: what your tax, , super and mortgage add up to, and what to change.
- Plans, not just tracking
- Built for couples
- No card to start
14 days of Pro free, no card · then the free plan, or $79 a year · no bank login
The problem with Frollo
Why tracking alone stops being enough
No Australian rules
No tax brackets, no , no super, no . The biggest numbers in your financial life are not in the app.
One person at a time
There is no shared view for couples. Two incomes, two tax bills and one household have to be pieced together by hand.
Funance
What Funance does that tracking can't
What to fix first
Pro ranks the moves by how many dollars each is worth: the offset, the super top-up, the card with the fee that doesn't pay for itself.
Made for couples
Both incomes, both tax bills and shared costs split at your ratio, in one household view.
Your home loan, watched
Pro checks your rate against lenders' published rates every week, with optional email alerts.
Where you're headed
Net worth projected to retirement, and what a rate rise or an extra repayment changes, on the free plan.
Head to head
Frollo vs Funance
| Frollo | Funance | |
|---|---|---|
| What it does | Tracks your spending | Plans ahead and tests decisions |
| Knows Australian tax and super | No | Yes: 2026-27 tax brackets, , , super, |
| For couples | Individual, no shared view | Each partner's income, tax and login, with shared costs split at the ratio you agree |
| Looks ahead | Limited | Net worth to retirement, plus what a rate rise or extra repayment changes |
| Price | Free | Free plan for good, or Pro at $9.90 a month or $79 a year, in Australian dollars |
| Bank connections | Most Australian banks via | No feeds or bank login: import a CSV statement, read on your device |
Frollo prices and features are from its own website, checked November 2026. Prices change, so check before you sign up.
Frollo
Free
for tracking what already happened
Funance
Free
for the plan, or Pro at $79 a year for the full picture
Fair questions
“But Frollo…”
Frollo is free. Why would I pay?
You don't have to. Funance's free plan (Overview, Budget and Debts, with the tax estimator) is free for good. Pro is for when you want the ranked to-do list, the rate check and the what-ifs, and a single better decision on a mortgage can be worth far more than $79 a year.
Funance doesn't connect to my bank. Isn't that a step backwards?
It is the trade we chose. Setup is three questions, and in return nobody holds a login to your bank and the free plan never leaves your browser. When you want real spending figures, import the CSV statement your bank already lets you download: it is read on your device, never uploaded, and fills in what you actually spent, with recurring charges and their price rises picked out. What you get on top is the part a bank feed cannot tell you: your tax, your mortgage, your super and where it all ends up.
Switching
Three steps, no risk
Try it with your numbers
Income, bills and debts, in your browser. No account, nothing sent to us.
See your plan
Your tax, your mortgage, where your money ends up and what to fix first.
Keep it if you like it
Every account starts with 14 days of Pro, no card. Then $79 a year, or the free plan for good.
Questions
Before you switch
Can I use Funance and Frollo together?
Yes. Plenty of people keep a tracker for spending and use Funance for the plan. Funance does not need your bank login, so there is nothing to clash.
Can I try it before I commit?
Yes. Open Funance with your own numbers without making an account, or look around a sample household first. Every account then starts with 14 days of Pro, no card needed.
Is Funance Australian?
Yes. Built in Australia, on 2026-27 Australian tax, , super and rules.
You know where it went.
Now decide where it goes.
Put your numbers in and see your tax, your mortgage and your plan in a few minutes. No account, no card, no bank login.
14 days of Pro free, no card · then the free plan, or $79 a year · no bank login · Start free trial