FunanceNet pay you can actually recognise
Gross salary in, take-home out, shown monthly and fortnightly, with the marginal rate you are actually on. For couples it is calculated per partner, because Australia taxes individuals, not households.
Personal finance app for Australian householdsBuilt on Australian rules, not converted from American ones.
Most finance apps are international products with the currency symbol swapped. Funance is built around the ATO, the states and the super system, because those are the rules that actually decide what you keep.
Free forever · no card required · no bank login · runs in your browser
There is a specific frustration in using a budgeting app that does not know what HECS is. Or one that calls superannuation a 401(k), assumes tax is filed jointly, and has no idea that buying a house in Victoria costs a different amount to buying the same house in Queensland.
The gap is not cosmetic. If the tax engine is wrong, every downstream number is wrong: your net pay, your savings rate, your debt-free date, whether a salary sacrifice is worth it. An app that gets Australian tax approximately right is not a planning tool, it is a spreadsheet with a nicer font.
Funance starts from the Australian rules and works outwards.
| Rule | Handled |
|---|---|
| ATO marginal brackets, 2026-27 | Yes |
| Low Income Tax Offset, including phase-out | Yes |
| Medicare levy, including the phase-in band | Yes |
| HECS-HELP repayment thresholds | Yes |
| Per-partner calculation for couples | Yes |
| Stamp duty by state, with FHB concessions | Yes |
| Super Guarantee and concessional caps | Yes |
2026-27 rules. An estimate for planning, not tax advice.
What that changes in practice
What the tool actually does
Decisions that depend on the bracket
Salary sacrifice, concessional carry-forward, whether an extra shift is worth it after the levy. These only work if the bracket underneath them is right.
State-aware property maths
Stamp duty is a state tax and the differences are large. Deposit, duty, LMI and repayments are modelled against the state you are actually buying in.
No bank linking, ever
You enter the numbers you already know. No open banking consent, no credential sharing, no feed that breaks the week you need it.
Included on the free plan
- Overview, Budget and Debts tabs
- The Australian tax estimator
- Local storage on your own device
- PDF export, no card required
Questions
The things everyone asks
Is Funance actually built in Australia?
Yes. Funance is built and run independently in Melbourne, and every calculation is written against Australian rules rather than adapted from an overseas product.
Which tax year does the app use?
The tax engine uses the 2026-27 ATO brackets, including the Low Income Tax Offset phase-out and the Medicare levy phase-in band. Figures are estimates for planning purposes and are not tax advice.
Does it connect to my bank?
No, deliberately. Funance never asks for banking credentials. You enter the numbers you already know, so there is no open banking consent and no third party holding your login.
Related
Other things you can work out here
Budget planner Australia
Most budgets fail in week three, when the car registration arrives and the plan quietly stops matching reality. Funance budgets on planned versus actual, so the gap is visible instead of fatal.
Budget planner for Australians →Net worth calculator Australia
Income tells you what came in. Net worth tells you whether any of it stayed. It is the single most useful number a household can track, and almost nobody tracks it.
Net worth calculator →Superannuation projection calculator
Super is the largest asset most Australians will ever own and the one they look at least. A projection turns an abstract balance into a number you can do something about while there is still time.
Superannuation projection calculator →Know where your money goes.
Know where you're going.
Set up your household in about ten minutes. No bank login, no card, no commitment.
Free forever · no card required · no bank login · runs in your browser