Funance is an Australian money planner for your household. Put in the numbers you already know and it works out your real take-home pay, what a rate rise would do to your mortgage, the fastest way out of debt, and what to fix first.
Everything free for 14 days · no card required · no bank login · free tier after that
Sample of the Funance dashboard using demonstration figures, not real user data.
Why Funance
Bank apps are good at the rear-view mirror and stop there. Funance starts with the same picture, what came in, what went out and what is still owing, then answers the questions that actually keep Australian households up at night.
The difference
Not a US app with the dollar sign swapped. Every calculation is built around the rules Australians actually live under.
No bank linking, no transaction feeds. You enter your real numbers and Funance does the heavy thinking.
Subscription-funded, so you are the customer rather than the product. No lead generation, no ads, ever.
Income, expenses and every bill in one view, with what's been paid and what hasn't. It is the first thing you set up, and everything else, your savings rate, your debt-free date, whether a goal is realistic, is calculated from it.
On a laptop: the whole month
Sample budget using demonstration figures, not real user data.
| Line | Planned | Actual |
|---|---|---|
| Income | ||
| Salary, combined | 8,600 | 8,600 |
| Expenses | ||
| Mortgage Paid | 2,400 | 2,400 |
| Groceries Paid | 1,000 | 1,180 |
| Water Overdue | 155 | 165 |
| Car rego Due 26th | 0 | 865 |
| Subscriptions 7 services | 190 | 199 |
| Everything else | 1,900 | 1,740 |
| Left over | 2,955 | 2,051 |
On a phone: what's still owing
Sample bill list using demonstration figures.
Budget, bills and the full month view are on the free plan. The subscriptions breakdown, every service annualised and ranked against what you actually use, is Pro.
The nine jobs Funance does, across eleven tabs, from this month's bills to the next thirty years.
What came in, what went out and what is still owing, month by month. Compare this year with last, and tick off bills from your phone.
Budget planner for Australians →See which debt to pay first to save the most interest (the or method), what extra repayments do, and the month you will be debt-free.
Debt repayment calculator →A house deposit, a wedding, a holiday, a new car or retiring early. Pick one of 11 goal types and see what to put away each month. The home goal includes and .
Savings goal calculator →Funance checks your debts, super, tax, insurance, property and spending against your own numbers, then tells you what is worth looking at first.
Tax, the and worked out on 2026-27 ATO rates, for each partner separately, shown monthly and fortnightly.
Personal finance app for Australia →Real fees and perks for 20 Australian cards. Tick off what you actually use and see whether the card pays for itself or costs you money.
Credit card annual fee calculator →Extra mortgage repayments, a rate rise, a pay change, topping up super, downsizing. See each one side by side before you commit.
Mortgage rate rise calculator →Official ABS price data for the eight capital cities, so your home's value is based on something published, plus how much of it you could .
Home equity calculator →Log each donation once. Funance flags which ones are and estimates what you will get back at your tax rate.
Honest comparison
We built one of these, which is exactly why we tell you where the others win. Frollo and WeMoney are free and automatic. PocketSmith forecasts further. If that is what you need, take it.
| Feature | Funance | PocketSmith | Frollo | WeMoney |
|---|---|---|---|---|
| Works out your take-home pay with Australian tax and | Yes | No | No | No |
| Shows what a rate rise does to your mortgage repayments | Yes | Partial | No | No |
| Works out in your state, with | Yes | No | No | No |
| Tells you if your credit card is worth its annual fee (20 cards) | Yes | No | No | No |
| Checks your home's value against official ABS price data | Yes | No | No | No |
| Projects what your super will be worth at retirement | Yes | No | No | No |
| Pulls in your bank transactions automatically | No | Yes | Yes | Yes |
| Free credit score | No | No | No | Yes |
| Works without your bank login | Yes | Free tier only | No | No |
| Earns money from referrals or your data | No, subscriptions only | No | Referrals | Referrals |
| Built and hosted in Australia | Yes | No, New Zealand | Yes | Yes |
| Price | Free, or $9.90 a month | From $14.95 a month | Free | Free, or paid tiers |
Want the long version? Read our honest comparison of the best personal finance apps in Australia, including the cases where we recommend a competitor over ourselves.
Not sure what a term means? Hover over or tap anything with a dotted underline, or browse the plain-English glossary.
Early users
From the friends and family launch.
"The avalanche calculator showed us we'd been paying things off in the wrong order for years. Seeing the two strategies side by side with our own numbers was the moment it clicked."
"I assumed my card's annual fee was justified by the lounge access. Funance broke down what I was actually using against what I was paying. I cancelled the card that week."
"The Advice tab pointed me to carry-forward super contributions I had no idea existed. I took it to my accountant and she confirmed it. That one thing paid for the subscription many times over."
Pricing
Every feature free for 14 days, no card. Keep the free tier afterwards if you don't continue.
per month · or $79 a year, saving 33%
No card required. Cancel any time.
Nothing is charged, because no card is taken up front. Your account moves to the Free plan and keeps the Overview, Budget and Debts tabs, the Australian tax estimator and every number you entered. Subscribe whenever it suits.
Questions
From the blog
On 29 September 2026 the RBA raised the cash rate 25 basis points to 4.60%, its fourth rise this year. What it adds to a repayment, how it reaches renters and local businesses, what it does to the wider economy, and why knowing your numbers matters more than the headline.
Every big four bank app does budgeting now. What CommBank, ANZ Plus, NAB and Westpac actually offer for day-to-day budgeting in 2026, which is best, and why none of them works for couples who bank in different places.
National home values fell 0.9% in August, a fifth straight monthly fall, leaving them 3.6% below the March peak. CBA now forecasts a 9% fall peak to trough. What that does to your balance sheet, what it does not do, and what actually helps if the repayments are the part that hurts.
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
Funance