FunanceBudgeting and financial planning for Australian householdsStart with this month's money. Fix the next ten years.
Your real take-home pay, the debt to clear first, and what a rate rise does to your mortgage, for one of you or both. Worked out on 2026-27 ATO rules, from numbers you already know.
14 days of Pro free, no card · then the free plan, or $79 a year · no bank login
Sample of the Funance dashboard using demonstration figures, not real user data.
John and Sarah
Here's where your household stands today.
See the next rate rise before your lender's letter does
Put in your balance and drag the rate. The repayment is worked out the way your lender does it. In Funance it runs on your actual loan, and compares your rate with what lenders publish each week.
- Every RBA move, one 0.25% step at a time
- Extra repayments, offset and refinancing side by side
- An email when the cash rate moves, with what it does to yours
For context: The cash rate is now 4.85% after a fifth rise this year. What it means for repayments →
Starts at $731,000, the average new home loan in Australia (ABS Lending Indicators). Yours is on your statement.
Monthly repayment at 7.13%
$5,090
+$237 a month
- Repayment today
- $4,853
- Extra a year
- +$2,845
- Each +0.25% is one RBA move
- +$118
A planning estimate using standard principal and interest, not a quote. Nothing you type here leaves your browser. General information only, not financial advice. Cuts, offsets and more on the full calculator →
Why Funance
Most finance apps stop at where did it go?
Funance starts there.
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.
No bank login
No bank login. No typing in every transaction.
Funance never asks for your internet banking password. Enter the regular bills you already know, or drop in a statement from your bank and let it fill in what you actually spent.
- Step 1
Download a statement
The CSV export from your internet banking. A few months is plenty.
- Step 2
Drop it in
statement-aug-oct.csv
It is read in your browser and never reaches our servers.
- Step 3
See what it found
- Actual spending, by category
- Recurring charges you had forgotten
- Price rises, and when they started
- Statement import is on every plan, free included
- Free accounts never leave your browser
- Pro syncs via Sydney, encrypted in transit and at rest
- Subscription funded: never sold, never shared, no ads
Know what's still owing. Down to the dollar.
Every bill once, in one card: what's still to pay, and what's paid against what you planned. Every pay date too. 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.
| Bill | Whose | Amount |
|---|---|---|
| To pay · $1,030 | ||
| Water Overdue | John | 165 |
| Car rego Renewal · 26th | Shared | 865 |
| Paid · 4 bills | ||
| Mortgage | 50/50 | 2,400 |
| Groceries | Shared | 1,180+180 on plan |
| Subscriptions 7 services | Shared | 199 |
| Everything else | Both | 1,740 |
| Income · 2 of 2 pays ticked | ||
| Salaries 15th 29th | Both | 8,600 |
| Left over | 2,051 | |
On a phone: what's still owing
Sample bill list using demonstration figures. Tick a bill to mark it paid; the laptop view updates too.
Tick a bill. The laptop view updates too.
- Tick a bill and it moves from To pay to Paid
- Planned against actual on everything paid
- Whose each bill is, with a split for shared ones
- Every pay date, weekly, fortnightly or monthly
- Renewals and yearly bills in To pay the month they fall due
- A reminder a week before each bill, and overdue ones flagged
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, with renewal reminders and price-rise alerts by email, is Pro.
New · Three views
The answer when you want it. The working when you need it.
Pick a view from the foot of the sidebar, and change it whenever you like. In a shared household you each keep your own.
Simple
FreeOne plain-English answer at the top of every tab, and five tabs in the sidebar. It hides presentation, never facts: overdue bills and warnings still show.
$6,250 left over in January once every bill is paid.
See Simple in the demo →Detailed
FreeEvery card and control on all eleven tabs: the trajectory, budget against reality, the charts and the household breakdown. Funance as it has always looked.
See Detailed in the demo →Expert
ProThe tables behind the answers: ratios, a six-month forecast, every debt amortised with rate sensitivity, a break-even, and CSV export on every tab.
See Expert in the demo →Simple and Detailed are on every plan. On the free plan Expert falls back to Detailed and remembers your choice for when you come back. What changed this month, and why.
Two logins. One set of numbers.
Invite your partner by email. You each sign in on your own phone and see the same budget, bills and goals. Every bill says whose it is, or how you split it.
- Changes reach the other phone within a minute
- What each of you adds starts out as yours, and you can change it
- Split any bill 50/50, 60/40 or however you share it
- Either of you can stop sharing, and you each keep a copy
Pro, and one plan covers you both. Working out who pays what on the mortgage? Try the partner mortgage contribution calculator.
Sample bills on two phones, showing whose each bill is.
Reminders
You don't have to remember to check. Funance tells you.
Add Funance to your phone's home screen and it nudges you before money leaves, not after.
- A week before
Each bill, on your phone
Car rego is due Tuesday: $865.
- Weeks before
Insurance and rego renewals
What it cost last year, weeks ahead while there's time to compare, then again when it's due.
- On the 1st
Your month in one minute
Last month against your budget, any rate change and what it does to your loan, and what changed in your subscriptions.
- When it moves
Rates and prices
Your home loan rate against what lenders publish each week, and an email when a subscription goes up.
Reminders, the monthly summary and rate alerts are Pro. Adding Funance to your home screen works on any plan.
From this month's bills to the next thirty years
What the Funance budgeting app does, across eleven tabs. Overview, Budget and Debts are free for good; Pro adds the rest, and every account starts with 14 days of it.
This month
What's owing, and what's left
Budget and bills
FreeEvery bill once: what is still to pay, and what is paid against plan. Pay dates for each salary, and bills ticked off from your phone.
Budget planner for Australians →Your real take-home pay
FreeTax, the and worked out on 2026-27 ATO rates, for each partner separately, shown monthly and fortnightly.
Personal finance app for Australia →Import a bank statement
FreeFill in what you actually spent from your bank's CSV export, read in your browser, and find the recurring charges you had forgotten.
Subscriptions and price rises
ProEvery subscription added up to a yearly cost, the ones you pay most for and use least listed first, and what price rises have cost you this year.
Subscription tracker →This year
Debts, renewals and tax time
Pay off debt faster
FreeWhich debt to pay first to save the most interest (the or method), and the month you will be debt-free, with the interest counted. Each rate is shown against the RBA average for new loans like it.
Debt repayment calculator →Renewals and yearly bills
FreeInsurance, rego and school fees in the month they land, with how much more than last year. Pro emails you weeks ahead and again when each is due.
Family Tax Benefit and the Child Care Subsidy
FreeWhat your family is likely to receive, estimated from Services Australia's 2026-27 rates for your income and your children's care.
Is your credit card worth its fee?
ProReal fees and perks for 20 Australian cards. Tick off what you actually use and see whether the card pays for itself.
Credit card annual fee calculator →Donations sorted for tax time
ProLog each donation once. Funance flags which ones are and estimates what you will get back at your tax rate.
The next ten years
Goals, property and super
Plan for the big things
ProA 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 , with in VIC, NSW and QLD, and .
Savings goal calculator →Try big decisions before you make them
ProExtra mortgage repayments, a rate rise, an , a pay change or downsizing, side by side before you commit.
Mortgage rate rise calculator →What your home is really worth to you
ProOfficial 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 →What your super will be worth
ProYour super at retirement, and whether would cut your tax.
Superannuation projection calculator →Insights: what to fix first
ProFunance checks your debts, super, tax, insurance, property and spending against your own numbers, then ranks what is worth doing by how many dollars it is worth.
Try it all on your own numbers
Every account starts with 14 days of Pro, no card. Keep it for $79 a year, or carry on with the free plan.
Honest comparison
Funance vs the alternatives
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. YNAB's give-every-dollar-a-job method works for a lot of people. If that is what you need, take it.
| Feature | Funance | YNAB | PocketSmith | Frollo | WeMoney |
|---|---|---|---|---|---|
| Works out your take-home pay with Australian tax and | Yes | No | No | No | No |
| Shows what a rate rise does to your mortgage repayments | Yes | No | Partial | No | No |
| Works out in your state, with | Yes | No | No | No | No |
| Tells you if your credit card is worth its annual fee (20 cards) | Yes | No | No | No | No |
| Checks your home's value against official ABS price data | Yes | No | No | No | No |
| Projects what your super will be worth at retirement | Yes | No | No | No | No |
| Pulls in your bank transactions automatically | No | Limited in Australia | Yes | Yes | Yes |
| Free credit score | No | No | No | No | Yes |
| Your partner on their own login, sharing one household | Yes | Shared budget | Collaborator access | No | No |
| Reminders before bills and renewals | Yes | Not checked | Not checked | Not checked | Not checked |
| Works without your bank login | Yes | Yes | Free tier only | No | No |
| Earns money from referrals or your data | No, subscriptions only | No, subscriptions | No | Referrals | Referrals |
| Built and hosted in Australia | Yes | No, United States | No, New Zealand | Yes | Yes |
| Price | Free, or $9.90 a month | About $23 a month, billed in USD | From $14.95 a month | Free | Free, or paid tiers |
YNAB facts checked July 2026; see Funance vs YNAB. A blank cell means we haven't checked that app for it yet. 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
What people actually used it for
"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."
Pricing
Try it all free. Pay when it earns it.
Every account starts with 14 days of Pro, no card. Keep it, or carry on with the free plan.
Free
After the trial, or whenever you stop paying
- Overview, Budget and Debts, for good
- Simple and Detailed views
- Bills in To pay and Paid, with pay dates and yearly renewals
- Your take-home pay on 2026-27 ATO rates
- Which debt to pay off first
- Bank statement import
- Family Tax Benefit and Child Care Subsidy estimates
- PDF export
- Your numbers stay in your browser
Every account starts on the 14-day Pro trial and moves here unless you keep Pro.
Pro
About $1.50 a week · or $9.90 a month
Know what to fix
- What to fix first, ranked by how many dollars it’s worth
- Your home loan rate against lenders’ published rates, checked weekly, with optional email alerts
- Whether your credit card earns its annual fee
- The Expert view: ratios, forecasts and CSV export on every tab
Plan ahead
- What a rate rise does to your repayments, before the bank’s letter
- A realistic date for the deposit, the car or the holiday
- What your super will be worth, and whether topping it up cuts your tax
Reminders
- A reminder a week before each bill is due, by email or on your phone
- An email before insurance, rego and other renewals, with how much more than last year
- An email before a subscription renews, and what price rises have cost you this year
- A one-minute summary of your month, on the 1st
Share and sync
- Your partner on their own login, sharing one household
- Your numbers synced across phone, laptop and tablet, or kept in one browser if you prefer
No card. Nothing is charged unless you choose to keep Pro.
"The Insights 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."
Questions
The things everyone asks
Is Funance really free?
What happens when the 14-day trial ends?
Does Funance connect to my bank?
Is the tax calculation actually Australian?
What happens to my data?
Can my partner use it too?
Do I have to type in every transaction?
Is it too much if I just want the basics?
Is there a phone app?
How is Funance different from Frollo, WeMoney or PocketSmith?
From the blog
Australian money, explained properly
What's new in Funance: three views, one Bills card, and a payoff date that now counts interest
Funance now opens in a Simple, Detailed or Expert view, shows each bill once in a To pay and Paid card, and works out a loan's payoff date with the interest counted. The sample mortgage went from about 155 months to about 310. What changed in November, why, and how each piece works.
House prices are falling. The average home loan now needs $23,600 more income than a year ago.
National home values are 6.7% below their March peak. But five rate rises have added about $589 a month to the repayment on the average new home loan, $731,000 (ABS), while average full-time pay rose 3.7% against 4.3% inflation. The whole ledger, line by line.
Five rate rises in 2026. On the average Australian home loan, repayments are up about $589 a month.
The RBA lifted the cash rate to 4.85% on 3 November, its fifth rise this year. Passed on in full, the November rise adds about $121 a month to the repayments on the average new home loan in Australia ($731,000, ABS), and the year's five rises about $589 a month, or $7,072 a year. The table for four loan sizes, and what the RBA said comes next.
Know where your money goes.
Know where you're going.
Three questions and you're looking at your month. Every account starts with 14 days of Pro, no card needed. Keep it for $79 a year, or carry on with the free plan: Overview, Budget and Debts, for good. No bank login either way.
14 days of Pro free, no card · then the free plan, or $79 a year · no bank login