An honest comparison of Australian personal finance apps — what each does best, what it doesn't do, and which is right for your situation.
Australia has no shortage of finance apps, but most do only one thing well: Frollo tracks spending, Sharesight tracks investments, Pearler automates ETF purchases, and Stockspot manages portfolios. Richify is the only app that connects super, shares, property, HECS, and savings into a single AI-interpreted picture — giving you a personalised plan, not just a dashboard of numbers.
Below is an unbiased comparison. We'll tell you where Richify excels and where a competitor might better serve your specific needs.
AI financial planning with Felix
Best for: Australians who want AI-powered financial education, net worth tracking, and personalised retirement planning
✓ Strengths
✗ Limitations
Open banking budgeting app
Best for: Australians who want automatic spending categorisation via open banking
✓ Strengths
✗ Limitations
Australia's budgeting app
Best for: Basic budget tracking and bill reminders
✓ Strengths
✗ Limitations
Micro-investing platform
Best for: ETF investors and FIRE community members
✓ Strengths
✗ Limitations
Portfolio tracking & tax reporting
Best for: Active investors who need CGT and dividend tracking for tax time
✓ Strengths
✗ Limitations
Robo-adviser (AFSL licensed)
Best for: Australians who want a managed portfolio with no decisions
✓ Strengths
✗ Limitations
| Feature | Richify | Frollo | Pocketbook | Pearler | Sharesight |
|---|---|---|---|---|---|
| AI Financial Agent | ✓ | ✗ | ✗ | ✗ | ✗ |
| Super Tracking | ✓ | Limited | ✗ | ✗ | ✗ |
| Net Worth View | ✓ | Basic | ✗ | ✗ | Portfolio |
| Property Tracking | ✓ | ✗ | ✗ | ✗ | ✗ |
| HECS Tracking | ✓ | ✗ | ✗ | ✗ | ✗ |
| Spending Tracker | ✗ | ✓ | ✓ | ✗ | ✗ |
| Retirement Planner | ✓ | ✗ | ✗ | ✗ | ✗ |
| Free Calculators | 12+ | ✗ | ✗ | ✗ | ✗ |
| Price | Free | Free | Free | From $6.50 | From $19/mo |
Felix connects your super, investments, property, and goals into one AI-powered plan. Free for all Australians — takes 3 minutes to set up.
Download Richify — FreeThe best app depends on your needs. Richify is the only AI-powered finance app built specifically for Australians — it connects super, shares, property, and HECS into one net worth view with AI guidance from Felix. For pure budgeting, Frollo and Pocketbook are alternatives. For investment tracking, Sharesight is popular.
Yes — Richify is free to download on iOS and Android. Core features including AI chat with Felix, net worth tracking, goal setting, and all calculator tools are available at no cost. Premium plans unlock additional AI agent specialists for specific financial topics.
Richify does not connect to your bank accounts or brokerage accounts. You manually add your own financial information. Your data is encrypted in transit and at rest. Richify does not sell your data to third parties. See our Privacy Policy for full details.
No. Richify is a financial education platform and is not an AFS licensee. All content, calculators, and AI responses are for educational and informational purposes only. For personalised financial advice, always consult a licensed financial adviser.
Frollo and Pocketbook are primarily spending trackers — they categorise transactions and help with budgeting. Richify is a financial planning tool with an AI agent (Felix) that builds personalised plans around your super, investments, property, and retirement goals. Richify focuses on growing wealth; Frollo and Pocketbook focus on managing spending.
The best app depends on your needs. Richify is the only AI-powered finance app built specifically for Australians — it connects super, shares, property, and HECS into one net worth view with AI guidance from Felix. For pure budgeting, Frollo and Pocketbook are alternatives. For investment tracking, Sharesight is popular.
Yes — Richify is free to download on iOS and Android. Core features including AI chat with Felix, net worth tracking, goal setting, and all calculator tools are available at no cost. Premium plans unlock additional AI agent specialists for specific financial topics.
Richify does not connect to your bank accounts or brokerage accounts. You manually add your own financial information. Your data is encrypted in transit and at rest. Richify does not sell your data to third parties. See our Privacy Policy for full details.
No. Richify is a financial education platform and is not an AFS licensee. All content, calculators, and AI responses are for educational and informational purposes only. For personalised financial advice, always consult a licensed financial adviser.
Frollo and Pocketbook are primarily spending trackers — they categorise transactions and help with budgeting. Richify is a financial planning tool with an AI agent (Felix) that builds personalised plans around your super, investments, property, and retirement goals. Richify focuses on growing wealth; Frollo and Pocketbook focus on managing spending.