FunanceIt knows nothing about Australian tax
Built in New Zealand for everyone, so no tax brackets, no , no super and no . The numbers that move an Australian household's future are missing from its forecast.
Funance vs PocketSmithPocketSmith forecasts your bank balance.Funance forecasts your future.
PocketSmith is a capable forecasting tool, built in New Zealand for a global audience. It will tell you what is in your account next March. It will not tell you what your tax, , super or mortgage are doing to the next ten years. That is the forecast that matters, and it is the one Funance makes.
- Australian rules built in
- From $79 a year, 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 PocketSmith
Where PocketSmith runs out
The forecasting is behind the paywall
The free tier is manual entry only. The forecasting you came for starts at $14.95 a month.
It lives on the web
PocketSmith is mainly a web product with a companion app. If you want to do everything from your phone, it will frustrate you.
Funance
The long-range plan, done the Australian way
Net worth to retirement
Projected from your actual savings rate and assets, on the free plan. Change one number and see the decade move.
What-ifs on real rules
A rate rise, a pay rise, extra repayments or a new car loan, run through 2026-27 tax and your mortgage, not just your balance.
Tax, HECS and super
indexation, super projections and top-up limits, and by state with .
The year, month by month
Every bill in the month it lands, and the closing balance for each month before it arrives.
Head to head
PocketSmith vs Funance
| PocketSmith | Funance | |
|---|---|---|
| Price | Free tier is manual only; forecasting from $14.95 a month | Free plan for good, or Pro at $9.90 a month or $79 a year, in Australian dollars |
| Built for Australia | Built in New Zealand for a global audience | Yes |
| Knows Australian tax and super | No | Yes: 2026-27 tax brackets, , , super, |
| What it forecasts | Account balances, up to 60 years | Net worth to retirement, plus what a rate rise or extra repayment changes |
| For couples | Collaborator access | Each partner's income, tax and login, with shared costs split at the ratio you agree |
| Bank connections | 14,000+ institutions worldwide | No feeds or bank login: import a CSV statement, read on your device |
PocketSmith prices and features are from its own website, checked November 2026. Prices change, so check before you sign up.
PocketSmith
$14.95/mo
before you get the forecasting
Funance
$9.90/mo
or $79 a year, and the projection is on the free plan
Fair questions
“But PocketSmith…”
But PocketSmith forecasts up to 60 years ahead.
It forecasts up to 60 years of account balances from your scheduled transactions. Useful, but an Australian household's next 30 years turn on tax brackets, super, and the mortgage, and PocketSmith models none of them. Funance does.
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
Is Funance cheaper than PocketSmith?
PocketSmith's forecasting starts at $14.95 a month. Funance Pro is $9.90 a month or $79 a year, and the net worth projection is already on the free plan.
Can I try it before I switch?
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 work on my phone?
Yes. It runs in your phone's browser, with a phone view for bills, and Pro keeps your numbers synced across phone, laptop and tablet.
Forecast the things
that actually move your future.
Tax, super, HECS and the mortgage, on your numbers, 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