CommBank, ANZ Plus, NAB, Westpac and ING all have spending breakdowns built in now, and for a lot of households that is genuinely enough. The limit is the same for every one of them, and it comes from what a bank app is rather than a missing feature.
We build one of the tools on this page. That is exactly why the verdict below names a competitor first when a competitor is the better answer: if your money all lives at one bank, the honest answer is your bank's app.
Checked July 2026. Prices and features change; check before you sign up.
The short answer
If your money is all at one bank
It is free, it is already installed, it needs no setup and no third party gets access to anything. Both CommBank and ANZ Plus sort your spending into categories inside the account. Use it for a month before you install anything else.
If you are spread across banks and lenders
This is the built-in limit: a bank app can only see the accounts you hold with that bank. Frollo is free, Australian, and connects to more than 100 banks and lenders through , so the picture is the whole picture.
If the question is a decision, not a total
No bank app will tell you whether into super is worth it on your income, how much your balance will grow, or what costs in one state versus another. That is a different kind of tool, not a better spending chart.
Side by side
| Bank apps (CommBank, ANZ Plus) | Frollo | Funance | |
|---|---|---|---|
| Cost | Free with the account | Free | Free tier; Pro $9.90 a month |
| Sees accounts at other banks | No | Yes, 100+ banks via | Whatever you enter |
| Setup | None, already there | Give Open Banking consent | You enter your numbers |
| Sorts your spending into categories | Yes | Yes | Planned against actual, entered by you |
| Works out your tax | No | No | Yes: tax brackets, , |
| Stamp duty and property | No | No | By state, with |
| Projects your super | No | No | Yes, including and top-up limits |
| Neutral across banks | No, one bank's products | Yes | Yes, we hold none of your money |
Checked July 2026. Bank app features change often and vary by account type, so check with your bank for what yours does now. Funance is the only product here we build.
Not sure what a term means? Hover over or tap anything with a dotted underline, or browse the plain-English glossary.
If your salary lands in one bank and your spending goes out of the same bank, open that bank's app and look at what it already tells you. CommBank, ANZ Plus, NAB, Westpac and ING all break spending down by category now. It is free, it is already installed, and nothing is more accurate than the bank that actually holds the transactions.
A lot of people install a budgeting app, spend an evening connecting accounts, and end up with a slightly worse version of something their bank was doing for nothing.
A bank app can only see the accounts you hold with that bank. That is not an oversight anyone is going to fix. It is what a bank app is.
So the moment your household has a mortgage at one lender, an everyday account at another, super in a third place and a credit card somewhere else, the bank app stops being a picture of your finances and becomes a picture of one slice of them. Your in particular is impossible to see from inside a single bank.
There is a second, softer limit. Your bank's app is built by an organisation that sells financial products. It is not going to tell you that a different lender's rate is better, or that the credit card annual fee you are paying does not earn its keep.
Two situations, and they are quite different from each other.
The first is coverage. If your money is spread across banks and you want it all in one view, an app that connects to all of them is the answer, and Frollo does that for free through , the government-regulated system that shares your bank data without asking for your internet banking password.
The second is decisions. No bank app will tell you whether the next thousand dollars belongs in the , the super fund or the credit card, because the answer depends on your , how much more you can put into super at the lower rate, and what your mortgage rate is doing. That is a planning problem, not a spending-categories problem.
Funance is built for the second one and does not attempt the first: no bank feeds at all, and instead 2026-27 tax brackets, thresholds, by state, super limits including , and an estimate of the if you sell an investment property. The net worth and super projection calculators run right here without an account if you want to see the shape of it first.
Questions
Keep reading
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Credit card annual fee calculator →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.
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Read it →Tax, your , the mortgage, super, an investment property. Different question, different tool. Sample data loaded, no signup, nothing to install.
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