FunanceYou pay in US dollars
About $23 a month, billed in USD, so the price moves with the exchange rate. That is a lot to pay for an app that does not know which country you live in.
Funance vs YNABYNAB tells you where every dollar went.Funance tells you what to do next.
YNAB is a good method wrapped in an American app. You pay in US dollars, connect Australian banks it only partly supports, and it still cannot tell you what your tax, or mortgage is doing. Funance was built here, for exactly that.
- Built for Australia
- $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 YNAB
Why Australians leave YNAB
Thin Australian bank support
YNAB's Australian bank connections are limited. If yours is not covered, you are typing transactions in by hand while paying US dollar prices.
No idea about Australian rules
No tax brackets, no indexation, no super, no . Every dollar has a job, but YNAB cannot tell you which job saves you the most.
Funance
What you get with Funance instead
Australian rules, built in
Your 2026-27 tax, the , indexation, super and by state, worked out on your own numbers.
What to fix first
Pro ranks what is worth doing by how many dollars it is worth: the offset, the super top-up or the credit card.
Built for two
Each partner on their own login, with their income and tax worked out separately and shared costs split at the ratio you actually agreed.
Where you'll end up
Your net worth projected to retirement, and what a rate rise or an extra repayment does to it, before the bank's letter arrives.
Head to head
YNAB vs Funance
| YNAB | Funance | |
|---|---|---|
| Price | About $23 a month, billed in USD | 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 | One shared budget | 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 |
| Bank connections | Limited in Australia | No feeds or bank login: import a CSV statement, read on your device |
YNAB prices and features are from its own website, checked November 2026. Prices change, so check before you sign up.
YNAB
~$23/mo
billed in US dollars
Funance
$79/yr
or $9.90 a month, or the free plan for good
Fair questions
“But YNAB…”
I like YNAB's envelope method.
Then keep the habit. Funance plans the year month by month, so the big irregular bills like rego, insurance and school fees sit in the month they land, and Budget vs reality shows each month how you tracked. What Funance adds is the part envelopes never touch: tax, , super and the mortgage.
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
How much cheaper is Funance than YNAB?
YNAB is about $23 a month, billed in US dollars. Funance Pro is $9.90 a month or $79 a year in Australian dollars, and the free plan (Overview, Budget and Debts) never expires.
Can I try it before I move?
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 for couples?
Yes, and properly: each partner's income and tax is worked out separately, and shared costs are split at whatever ratio you have agreed.
Stop paying US dollars
for an app that doesn't know Australia.
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