FunanceIt tracks, it doesn't plan
Spending categories and a score are a snapshot. Looking ahead is limited: no rate-rise what-ifs, no projection of where you end up.
Funance vs WeMoneyA credit score isn't a plan.Funance is.
WeMoney is built around tracking and a free credit score. That tells you how lenders see you today. Funance tells you what your tax, , super and mortgage are doing, and what to change, for about the same price as WeMoney Pro.
- A plan, not a score
- 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 WeMoney
What WeMoney leaves out
No Australian tax rules
No tax brackets, no indexation, no super and no , so the biggest numbers in your year are missing.
Solo only
There is no shared view for couples, so a household with two incomes is two separate pictures.
Funance
For the same money, a lot more
Australian rules, built in
2026-27 tax, the , , super and , on your own numbers.
Built for two
Each partner's income and tax, with shared costs split at the ratio you agreed.
Your cards, costed
Twenty Australian credit cards costed out, so you can see whether your annual fee pays for itself.
Where you'll end up
Net worth projected to retirement, and what a rate rise or extra repayment changes.
Head to head
WeMoney vs Funance
| WeMoney | Funance | |
|---|---|---|
| What it does | Tracks spending, shows a credit score | Plans ahead and tests decisions |
| Knows Australian tax and super | No | Yes: 2026-27 tax brackets, , , super, |
| For couples | 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; Pro $9.99 a month | Free plan for good, or Pro at $9.90 a month or $79 a year, in Australian dollars |
| Credit score | Free Equifax and Experian scores | No |
WeMoney prices and features are from its own website, checked November 2026. Prices change, so check before you sign up.
WeMoney
$9.99/mo
for WeMoney Pro
Funance
$9.90/mo
or $79 a year, with a free plan for good
Fair questions
“But WeMoney…”
I want to keep an eye on my credit score.
Keep a free score app for that; it is a two-minute check. The decisions that change the score, like which debt to clear first, are what Funance works out.
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 WeMoney Pro?
Slightly: $9.90 a month against $9.99, and $79 a year if you pay annually. Funance's free plan also 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 show a credit score?
No. It focuses on the plan: tax, , super, debts and the mortgage.
Know your score?
Now know your plan.
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