FunanceA budgeting app for Australian households: 11 tabs, 3 of them free, and what each one tracks
Funance is an Australian budgeting app with 11 tabs: a free Overview, Budget and Debts, plus Pro tabs for scenarios, net worth, goals, subscriptions, credit cards and giving. What each one tracks, what it costs, and when another app suits you better.
Funance is a budgeting app with 11 tabs. Three of them, Overview, Budget and Debts, are free and need no card. The other eight are part of Pro, at $9.90 a month or $79 a year, and they carry your budget through to the mortgage, super, property and goals.
We build it, so read this as what it is: a tour of our own app. We have tried to keep it useful anyway. Every section says what the tab works out, and near the end there is a plain list of people who would be better off with something else.
If you would rather look than read, the demo is the real app running on sample data. No signup, nothing to install.
What a budgeting app is actually for
Most budgeting apps do one job well: they tell you where the money went. That is worth knowing, but it is the easy half. The harder half is what to do with what is left. Which debt goes first. Whether the loan can take another rate rise. Whether the deposit is two years away or five.
Funance does both, from one set of numbers. You enter your income and spending once, and the same figures feed the debt plan, the projection, the goals and the scenarios. Nothing gets typed in twice, and nothing drifts out of sync between a spreadsheet and an app.
It is built on Australian rules from the start: 2026-27 ATO tax brackets, the , the , repayment thresholds, super, and that depends on your state. If the take-home pay underneath a budget is wrong, every line above it is wrong too.
The free tabs
Overview
One screen with the three numbers that tell you whether things are working: net worth, and your debt-free date. They recalculate whenever you change anything elsewhere, so the Overview is where you see what a decision does.
Budget
This is where the tracking happens. You put in your gross salary and Funance works out take-home pay on the 2026-27 ATO rates, monthly and fortnightly. For couples, it is calculated for each partner separately, because Australia taxes individuals, not households.
Then every budget line carries two numbers: what you planned and what actually happened. The gap between them is the useful part. Here is an illustrative month for a two-income household:
| Line | Planned | Actual |
|---|---|---|
| Income | $8,600 | $8,600 |
| Mortgage | $2,400 | $2,400 |
| Groceries | $1,000 | $1,180 |
| Utilities and water | $320 | $485 |
| Car rego, annual line | $0 | $865 |
| Everything else | $2,100 | $1,940 |
| Left over | $2,780 | $1,730 |
Illustrative figures, not real user data.
Two things in that table are deliberate. Rego sits on the month it actually lands, rather than being spread into a monthly average that never matches your bank balance. And each month is kept, so after a few months you are reading your grocery figure instead of guessing it.
There is a phone view for the boring part, ticking off bills, which opens straight to what is still owing and what is overdue. Any month exports to PDF, and the budget exports to CSV. More on the method on the budget planner page.
You do not have to type the actuals in. Import the CSV statement your bank already lets you download (CommBank, ANZ, NAB, Westpac, ING, Up and most others offer one). It is read on your device and never uploaded. Funance sorts each merchant into your own categories, remembers your choices for next time, and fills in each month's actual spending. On Pro it also picks out recurring charges and their price rises for the Subscriptions tab.
Below the bills sits Renewals and yearly bills: car insurance, rego, home and contents, the energy plan, in date order. Each shows how much more it costs than last year, and pressing Renewed rolls it on to next year. Pro emails you a week before each one.
Families can also estimate Family Tax Benefit and the Child Care Subsidy on their own incomes, children and care hours, and add the result to the Budget. These are estimates from Services Australia's published rates; Services Australia works out the real amounts.
Debts
Every loan and card in one list, with the payoff order worked out both ways: the avalanche (highest interest first) and the snowball (smallest balance first). You see the debt-free date for each, what do to it, and the interest the difference is worth. We went through the maths of the two methods in avalanche vs snowball, and the debt repayment calculator runs it without an account.
See it with sample data first. The demo is the real app, with no signup, no card and nothing to install. The Overview, Budget and Debts tabs stay free after you sign up.
The Pro tabs
What-If Scenarios
This is the tab people tend to stay for. Model a rate rise against your actual loan, see what $500 a month extra does on the mortgage compared with in super, test salary sacrifice against take-home pay on real ATO numbers, or try a or a downsize. Each scenario sits beside your current position, so the comparison is in dollars and years rather than in your head. The mortgage scenario calculator is a free taste of it.
Assets & Net Worth
Super, property, shares and vehicles, projected forward over 1, 3, 5 and 10 years. Property growth assumptions are checked against published ABS capital city price index data rather than whatever number feels right, and you can see your usable equity and whether your assets lean too heavily on one thing. Free versions: the net worth calculator, home equity calculator and super projection.
Life Goals
11 goal types, including a new home, a wedding, a holiday, a baby, a car, a renovation, study and retiring early. Each comes with a starter checklist of the costs people forget and a tracker showing when you will hit the target.
The home goal is the one worth singling out. Put in a purchase price and it works out the deposit, stamp duty, lenders mortgage insurance and repayments. Stamp duty uses detailed rates for Victoria, New South Wales, Queensland and Western Australia, an approximation for the other states and territories, and first home buyer concessions in Victoria, New South Wales and Queensland. Related reading: how much you actually need for a first home.
Subscriptions
Every streaming service, app, software licence and gym membership in one list, converted to an annual cost, because the yearly number is the one that belongs in a budget. Shared subscriptions can be split with a partner, and annual renewals are visible before they charge. When a price goes up, Funance records the date and shows what the rises have cost you this year, service by service. Why this list grows without anyone noticing: the subscription trap.
Credit Card Tracker
20 Australian cards, from Amex to ANZ, CommBank and Citi, with their annual fees and the dollar value of each perk. You tick off the perks you actually use, and the tab shows whether that value is ahead of the fee or behind it. The worked example is our post on whether the $1,450 Amex Platinum fee pays for itself.
Charitable Giving
Log each donation once. Funance estimates the deduction at your marginal rate and keeps a receipts checklist, so tax time is not a hunt through your inbox. It sits nicely next to our tax return checklist.
Recommendations
A health check that runs dozens of checks against your own figures, across debt, super, tax, insurance, property and spending, and ranks what it finds by estimated dollar impact. You can download it as a PDF to read with your partner or take to your accountant. It is general information worked out from the numbers you enter, not personal financial advice.
Guide
Walkthroughs of every tab, plus a small achievement system that unlocks extra themes as you hit milestones. You can also reply to any Funance email and it reaches me directly.
How it tracks spending, and what it does not do
Funance does not connect to your bank. That is a choice, not a missing feature. Nobody hands over a banking login or an Open Banking consent, and nothing breaks when a bank feed goes down.
The cost is that the figures come from you. You do not code every coffee: you either update category totals, or import a CSV statement once a month and let Funance total it by category on your device. The Budget tab then does what a transaction feed does not: it holds those totals against a plan and shows you which line moved.
On the free plan your data stays in your own browser. Pro adds cloud sync across devices.
Built for couples who bank in different places
Most budgeting apps treat a couple as one person with a bigger salary. Funance gives each partner their own income and their own tax calculation, and shared expenses can be split between you and shown that way on each line. On Pro you can invite your partner to their own login on the same household, so you both see and edit one set of numbers; if you both change the same figure at once, Funance asks which to keep rather than overwriting. Because nothing depends on a bank feed, it works the same whether you are both with one bank or each kept your own. We covered why the bank apps cannot do this in CommBank vs ANZ Plus vs NAB vs Westpac.
Your phone and your inbox
Funance installs to your phone's Home Screen like an app, without an app store, and can notify you when the RBA moves the cash rate. On Pro it also tells you when a bill is due, and emails a one-minute summary of your month on the 1st: how you went against the plan, what changed in your net worth, the renewals coming up and what price rises have cost you.
Free or Pro
| Free | Pro | |
|---|---|---|
| Price | $0, no card | $9.90 a month or $79 a year |
| Tabs | Overview, Budget, Debts | All 11 |
| Australian tax estimator | Yes | Yes |
| Planned vs actual, PDF and CSV export | Yes | Yes |
| Bank statement import (CSV) | Yes | Yes, plus recurring charges found |
| Renewals list | Yes | Yes, plus an email a week before |
| Partner on their own login | No | Yes |
| Rate decision notifications | Yes | Yes |
| Monthly summary email and bill notifications | No | Yes |
| Scenarios, net worth, goals, subscriptions, cards, giving, recommendations | No | Yes |
| Where your data lives | Your browser | Cloud sync across devices |
| Trial | Not needed | 14 days |
Full detail is on the pricing page.
When another app is the better fit
We would rather you end up with the right tool than with ours.
- You want every transaction pulled in automatically. Use an Open Banking app. Frollo is free and good at it.
- Your problem is overspending, not planning. An envelope app like YNAB, where every dollar gets a job before you spend it, is built for exactly that.
- All your money is at one bank and your questions are simple. Try your bank's own app for a month first. It may be enough.
The full comparison of Australian finance apps goes through each of these properly, with prices.
If your questions are the planning ones, about the mortgage, super, HECS, a deposit or two incomes, that is the job Funance was built for. The quickest way to judge it is to open the demo and change a few numbers, or read more on the budgeting app page.
Funance provides general information and planning tools only. It does not take into account your objectives, financial situation or needs, and it is not financial product advice. Prices checked October 2026.
Frequently asked questions
Is Funance a free budgeting app?
The Overview, Budget and Debts tabs and the tax estimator are free, with no card required. Pro unlocks all 11 tabs and cloud sync for $9.90 a month or $79 a year, and starts with a 14-day trial.
Does Funance track my spending automatically?
No. Funance does not connect to your bank. You enter category totals or import a CSV statement, read on your device, and the Budget tab tracks them against your plan with the variance on every line. If you want every transaction pulled in automatically, an Open Banking app such as Frollo is the better fit.
Is Funance built for Australia?
Yes. It is built in Melbourne and its tax engine uses the 2026-27 ATO brackets, the Low Income Tax Offset, the Medicare levy and HECS repayment thresholds. Property costs use stamp duty for the state you are buying in.
Can I try Funance without signing up?
Yes. The demo is the real app on sample data, with no signup, no card and nothing to install.
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