FunanceAll that typing, for envelopes
Everything is entered by hand, and what you get back is how much is left in each envelope. Useful for this week, silent about the next ten years.
Funance vs GoodbudgetYou're typing your numbers in anyway.Make them do more.
Goodbudget has you enter everything by hand and sort it into envelopes. So does Funance, minus the envelopes. The difference is what happens next: Funance turns the same numbers into your tax, , super, mortgage and a plan.
- Same effort, more answers
- Priced in AUD
- 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 Goodbudget
Where Goodbudget stops
Priced in US dollars
The paid plan is US$10 a month, for an app that was not built for Australia.
No Australian rules
No tax brackets, no , no super, no . The biggest numbers in an Australian budget are left out.
Funance
Same numbers, far more out of them
Your tax, worked out
2026-27 brackets, the and repayments, per partner.
No bill surprises
The year laid out month by month, so rego and insurance sit in the month they land.
Built for two
Each partner's income and tax, with shared costs split at the ratio you agreed.
Where you'll end up
Net worth projected to retirement, and what a rate rise or extra repayment changes.
Head to head
Goodbudget vs Funance
| Goodbudget | Funance | |
|---|---|---|
| How you enter numbers | By hand | By hand, once, then it does the maths |
| Price | Free tier; US$10 a month | Free plan for good, or Pro at $9.90 a month or $79 a year, in Australian dollars |
| Built for Australia | No | Yes |
| Knows Australian tax and super | No | Yes: 2026-27 tax brackets, , , super, |
| For couples | Shared envelopes, same login | Each partner's income, tax and login, with shared costs split at the ratio you agree |
| Looks ahead | Not what it is built for | Net worth to retirement, plus what a rate rise or extra repayment changes |
Goodbudget prices and features are from its own website, checked November 2026. Prices change, so check before you sign up.
Goodbudget
US$10/mo
for the paid plan
Funance
$79/yr
in Australian dollars, or the free plan for good
Fair questions
“But Goodbudget…”
Envelopes are what keep me on track.
Then the habit is worth keeping. Funance's Budget tab sets a plan for every month and shows how you tracked against it, and on top of that it answers what envelopes never will: your tax, your , your super and your mortgage.
Will moving over take long?
One short setup: your income, your regular bills and your debts. Most of it you know off the top of your head, and you can do it without making an account.
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
Is Funance cheaper than Goodbudget?
Goodbudget's paid plan is US$10 a month. Funance Pro is $79 a year in Australian dollars, and the free plan never expires.
Can I try it first?
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.
Does Funance connect to my bank?
No, by design, so nobody holds a login to your bank. You can 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, which beats typing every line in.
Same typing.
A real plan at the end of it.
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