Best Personal Finance
App Australia 2026
An honest comparison of 9 personal finance and budgeting apps Australians use — what each one does, where it falls short, and which is right for your specific goal. Includes the global benchmark apps Australians often consider (YNAB, PocketSmith) alongside the local AU-built options.
Reviewed and updated: October 2026 · Based on publicly available app information and user experience testing
Quick verdict: for net worth + AI planning across super, shares, property and HECS, Richify is the only purpose-built option; for automatic spending tracking, Frollo or WeMoney; for CGT reporting, Sharesight.
Full verdict — all 9 apps by category (ETF investing, forecasting, budgeting)
Australia has a fragmented personal finance app landscape — most apps do one thing well but leave gaps. For AI-powered financial planning, net worth tracking (super + shares + property + HECS), and retirement projections, Richify is the only purpose-built option. For automatic spending tracking via bank connections, Frollo and WeMoney lead. For investment CGT reporting, Sharesight is the standard. For automated ETF investing, Pearler is best-in-class. For long-range cash-flow forecasting, PocketSmith is unique. For zero-based budgeting, YNAB remains the global standard — though it has no AU bank connections.
Below is a detailed breakdown of all 9 apps, a feature comparison table, and a goal-based guide to help you choose.
Our pick — and why
Richify — for people who want to understand their entire financial picture
How we ranked these apps
We assessed each app in July 2026 on six criteria, using publicly available pricing and feature information (pricing re-checked on each product's own site on 25 October 2026):
- 1. Category fit — what it genuinely does well
- 2. AU bank coverage — CDR / open-banking feeds
- 3. AU net worth — super, property & HECS, not just spending
- 4. Investing — CGT reporting aligned to ATO methodology
- 5. Price & free tier — cost vs what you get
- 6. Still operating in Australia — actively maintained
Richify is our own app — we say so plainly and score it on the same criteria as the others. We only list apps still operating in Australia and remove any that shut down (for example, Pocketbook, which Zip closed in 2022, is not listed). Last reviewed October 2026.
Quick Comparison: 9 Finance & Budgeting Apps Australians Use
| App | Pricing | Category | Best for |
|---|---|---|---|
| Richify★ | 7-day free trial | AI planning | AI agent Felix builds personalised financial plans and answers tax/retirement questions |
| Up | Free (no monthly fee) | Bank + budgeting | Full Australian banking licence (via Bendigo and Adelaide Bank) — your salary lands here |
| Frollo | Free | Spending tracker | CDR open banking connections to Australian banks, with screen-scraping as a fallback |
| WeMoney | Free (WeMoney Pro $9.99/mo after a 7-day trial) | Spending + wellbeing | CDR open banking bank connections |
| YNAB | Paid (USD-billed, US$14.99/mo or US$109/yr; 34-day free trial) | Zero-based budgeting | Industry-leading zero-based / envelope budgeting methodology |
| PocketSmith | Free tier (manual); paid plans add bank feeds (USD-billed, from US$9.99/mo billed annually) | Cash-flow forecasting | Signature cash-flow forecasting up to 60 years (Fortune plan) — unique in the AU/NZ market |
| Pearler | $6.50/trade (no monthly platform fee) · Micro $2/mo | ETF investing | Automate regular ETF purchases (dollar-cost averaging) |
| Sharesight | Free (up to 10 holdings); Basic A$9, Standard A$29, Premium A$49 /mo billed annually | Portfolio / CGT | Best-in-class CGT reporting aligned with ATO rules |
| Stockspot | A$1/mo up to A$20k; 0.66% p.a. A$20k–A$200k; lower above (since 16 Sep 2025) | Robo-adviser | ASIC-licensed managed portfolios (not just tools — actual investing) |
Best budgeting apps in Australia 2026
If you specifically want a budgeting app — automatic transaction categorisation, weekly spending limits, bill reminders — these are the three that lead in Australia. They're a different category from Richify, which is a net-worth + AI planning app (no bank connections, manual entries only). For most Australians, the best combination is one budgeting app + Richify — the budgeting app tracks what you spend, Richify tracks what you're worth and projects retirement.
1. Up — Best overall budgeting app for Australians who want everything in one place
Free Australian neobank with budgeting built into the account itself. Savers (named sub-accounts with goal status and, since October 2026, Saver Insights), Auto Covers, Essentials (automated bill management) and 2Up for couples all live alongside your everyday account. The trade-off: you have to bank with Up for the budgeting to work — it doesn't aggregate other banks.
2. Frollo — Best multi-bank budgeting app via open banking
Free, with no ads or subscriptions. Connects to Australian banks via the CDR open-banking framework (screen-scraping where CDR is not available), so you keep banking with whoever you already use. Automatic transaction categorisation, spending insights and goals, plus a net worth view with linked super and investment accounts. No retirement or tax planning, so pair it with Richify for that side.
3. WeMoney — Best for budgeting + free credit score monitoring
Free (WeMoney Pro $9.99/mo after a 7-day trial). Bank-connected spending tracker with a financial wellbeing score, debt reduction tools, and credit score updates. WeMoney Pro adds custom categories, desktop access and automatic goal tracking. The community/social features may or may not appeal depending on preference.
Note: none of the above includes super, ASX/ETF portfolio, property, or HECS tracking. For the full net-worth view alongside AI planning, use Richify (manual entry, 7-day free trial) — many Australians run a budgeting app plus Richify together.
Detailed Review — All 9 Apps
RichifyEditor's Pick
AI financial planning — your complete wealth picture
Best for: Australians who want AI-powered financial planning, net worth tracking across super, shares, property, and HECS, with personalised retirement guidance
✓ Strengths
- • AI agent Felix builds personalised financial plans and answers tax/retirement questions
- • Tracks super, ASX/ETF, property, HECS, and savings in one net worth view
- • 20+ AU-specific calculators (super, HECS, CGT, negative gearing, FHSS, LMI), free on richify.ai
- • Privacy-first — manual entries only, no bank connections, no data selling
- • AI specialists for property, tax, FIRE, and superannuation topics
✗ Limitations
- • Not a transaction-level spending tracker (no automatic bank feeds)
- • Super balances are manually entered, not live-synced
Up
Australian neobank with budgeting built into the account
Best for: Australians who want everyday banking and budgeting in one app — Savers with goal status, Auto Covers, Essentials (automated bill management) and Saver Insights built in
✓ Strengths
- • Full Australian banking licence (via Bendigo and Adelaide Bank) — your salary lands here
- • Free everyday account + Savers (with Travel Mode and a Home Deposit Saver) in one app
- • Automatic spending categorisation on every transaction
- • Essentials manages your bills automatically; Auto Covers pay for chosen purchases from your Savers
- • Joint accounts (2Up) for shared budgeting between partners
✗ Limitations
- • Banking only — no investment or super tracking; on property it offers Home Zone (borrowing power) rather than a portfolio view
- • Budgeting is per-transaction, not goal-based wealth planning
- • Doesn't aggregate accounts from other banks (you have to use Up for budgeting to work)
Frollo
Open banking budgeting — automatic spending categories
Best for: Australians who want automatic spending categorisation and bank insights via CDR open banking
✓ Strengths
- • CDR open banking connections to Australian banks, with screen-scraping as a fallback
- • Automatic transaction categorisation and spending insights
- • Net worth from added assets and liabilities (property, vehicles, loans)
- • Goal setting and budget tracking
✗ Limitations
- • No AI planning or retirement projections
- • Limited super, investment, or property tracking
- • Property, vehicles and loans must be added manually to count in net worth
WeMoney
Spending tracker + financial wellbeing community
Best for: Australians who want bank-connected spending tracking with a community element and financial wellbeing score
✓ Strengths
- • CDR open banking bank connections
- • Financial wellbeing score and debt reduction tools
- • Community for sharing financial goals
- • Free monthly credit score updates (Equifax and Experian)
- • Bill tracking and subscription detection
✗ Limitations
- • No investment portfolio tracking
- • No retirement or super planning tools
- • No AI-powered guidance
- • Community features not relevant for all users
YNAB
Zero-based budgeting (US-built, used worldwide)
Best for: Australians who specifically want zero-based budgeting (every dollar a job) and are happy to enter transactions manually or import OFX from their bank
✓ Strengths
- • Industry-leading zero-based / envelope budgeting methodology
- • Strong educational content and active community
- • Works internationally — Australians can use it manually
- • Cross-device sync (web + iOS + Android)
✗ Limitations
- • No CDR / open banking integration with Australian banks — manual entry or OFX import only
- • USD-billed; no AU-specific pricing or features
- • No super, ASX/ETF, property, HECS, or net worth tracking
- • Methodology has a steep learning curve
PocketSmith
Long-range cash-flow forecasting (NZ-built, AU/NZ ready)
Best for: Australians who want calendar-based budgeting and long-range (up to 60-year) cash-flow projections, with multi-currency support
✓ Strengths
- • Signature cash-flow forecasting up to 60 years (Fortune plan) — unique in the AU/NZ market
- • Calendar-view budgeting (drag-drop scheduled transactions)
- • Multi-currency support — useful for Australians with overseas income or USD investments
- • Bank feeds for AU banks via aggregator (paid plans only)
- • NZ-built, so AU/NZ user experience is native — not a US app forced to fit
✗ Limitations
- • Free tier doesn't include bank feeds — paid plan required for automation
- • No super or HECS tracking
- • No AI guidance or financial planning agent
- • Interface is functional rather than modern
Pearler
Automated ETF investing for long-term wealth builders
Best for: ETF investors who want to automate regular investments in ASX-listed ETFs, especially FIRE community members
✓ Strengths
- • Automate regular ETF purchases (dollar-cost averaging)
- • Active FIRE/index-investing community
- • Low brokerage for regular investors
- • Custodian model — holdings held in your name (HIN)
✗ Limitations
- • An investing platform, not a financial planning tool
- • Pearler Super exists (0.438% admin fee), but no property or overall net worth tracking
- • No AI guidance or retirement projections
- • Costs add up if trading frequently
Sharesight
Portfolio tracking & CGT/dividend reporting
Best for: Active investors who need accurate CGT calculations and dividend tracking for ATO tax reporting
✓ Strengths
- • Best-in-class CGT reporting aligned with ATO rules
- • Dividend and distribution tracking across all ASX and international markets
- • Broker integration (auto-imports trades)
- • Performance reporting vs benchmarks
✗ Limitations
- • Investment-only — no super, property, HECS, or overall net worth view
- • No AI features or financial planning guidance
- • Paid for portfolios larger than 10 holdings
Stockspot
Managed robo-adviser portfolio (AFSL licensed)
Best for: Australians who want a fully managed ETF portfolio without making investment decisions themselves
✓ Strengths
- • ASIC-licensed managed portfolios (not just tools — actual investing)
- • Automatic rebalancing to target allocation
- • Diversified ETF portfolios tailored to risk profile
- • Suitable for investors who want to set and forget
✗ Limitations
- • Not a tracking tool — Stockspot manages your money
- • Annual fee compounds over time vs self-managed ETF portfolio
- • No super integration or retirement planning outside their managed portfolios
Feature Comparison Matrix
| Feature | Richify | Up | Frollo | WeMoney | YNAB | PocketSmith | Sharesight |
|---|---|---|---|---|---|---|---|
| AI Financial Agent | ✓ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ |
| Superannuation tracking | ✓ | ✗ | Linked accounts | ✗ | ✗ | ✗ | ✗ |
| Full net worth view | ✓ | Banking only | Basic (manual assets) | Spending only | Budget only | Cash-flow only | Portfolio only |
| Property tracking | ✓ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ |
| HECS tracking | ✓ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ |
| Bank account (full ADI licence) | ✗ | ✓ | ✗ | ✗ | ✗ | ✗ | ✗ |
| Bank connections for AU banks | ✗ | n/a (own bank) | ✓ (CDR, free) | ✓ (CDR) | ✗ (manual / OFX) | Paid plans only | ✗ |
| Spending categorisation | ✗ | ✓ (own txns) | ✓ | ✓ | ✓ (zero-based) | ✓ | ✗ |
| Long-range cash-flow forecast | Basic (retirement) | ✗ | ✗ | Limited | ✗ | Up to 60 yrs | ✗ |
| Bill tracking / automation | ✗ | ✓ (Essentials) | Limited | Limited | ✗ | ✓ (calendar) | ✗ |
| Retirement planner | ✓ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ |
| AU-specific calculators | 20+ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ |
| CGT / dividend reporting | Basic | ✗ | ✗ | ✗ | ✗ | ✗ | Best-in-class |
| Credit score monitoring | ✗ | ✗ | ✗ | ✓ (Equifax + Experian) | ✗ | ✗ | ✗ |
| Price | 7-day free trial | Free | Free | Free | US$14.99/mo | Free / from US$9.99/mo | Free / from A$9/mo |
Which App Should You Use? A Goal-Based Guide
“I want to track my spending and control my budget”
→ Frollo or WeMoney
Both use CDR open banking to automatically import and categorise transactions. WeMoney adds a credit score and wellbeing score; Frollo is cleaner for pure budgeting.
“I want to know my net worth across super, shares, and property”
→ Richify
The only app that brings super, ASX/ETF portfolio, property, HECS, and other assets into a single net worth view with AI-interpreted retirement projections.
“I want accurate CGT records for my ASX portfolio at tax time”
→ Sharesight
Unmatched CGT reporting and dividend tracking, aligned to ATO methodology. The category standard for active investors.
“I want to automate my ETF investments and build a FIRE portfolio”
→ Pearler
Purpose-built for regular ETF purchases. Integrates with the Australian FIRE community. Holdings held in your own name (HIN).
“I want someone to manage my money for me”
→ Stockspot
AFSL-licensed managed portfolios. They invest on your behalf. You don't need to make decisions beyond your risk profile.
“I want to plan for retirement and super”
→ Richify
Super-optimisation calculators, retirement income projections, HECS timeline analysis, and AI agent Felix to answer retirement questions in plain English.
“I want strict zero-based budgeting and don't mind entering transactions manually”
→ YNAB
Global category leader for the zero-based / envelope method. No AU bank feeds, but the methodology and educational material remain unmatched if you want every dollar to have a job.
“I want a 10–60 year cash-flow forecast and calendar-view budgeting”
→ PocketSmith
NZ-built with native AU support. Unique long-range forecasting and a calendar-based budget view. Bank feeds on paid plans. Pair with Richify for super, HECS, and net worth.
Budgeting app vs. wealth tracker — what's the difference?
🏦 Budgeting app (Frollo, WeMoney)
- • Connects to bank accounts via CDR open banking
- • Categorises transactions automatically
- • Shows where money is being spent
- • Helps reduce unnecessary spending
- • Best answer to: “Where is my money going?”
📊 Wealth tracker (Richify, Sharesight)
- • Tracks assets and liabilities across all categories
- • Shows your net worth over time
- • Projects retirement income from your current trajectory
- • Optimises super, HECS repayment, investment allocation
- • Best answer to: “Am I on track to retire?”
Most Australians benefit from both: a budgeting app to control spending, and a wealth tracker to ensure the savings are building long-term wealth. They aren't mutually exclusive.
What happened to Pocketbook, and what should Australians use instead?
Pocketbook shut down on 5 August 2022 and is not coming back. It was for years the default free budgeting app in Australia — founded locally, acquired by Zip in September 2016 for about US$7.5 million, then closed when Zip narrowed its focus to its core ANZ buy-now-pay-later business as the sector hit rising bad debts. Users had until 4 August 2022 to export their categorised transactions to CSV; Zip said all personal data collected by the service would then be deleted. If you still have that CSV, it is the only copy of your Pocketbook history that exists.
There is no single successor, because Pocketbook did two jobs that the market has since split apart. For the automatic transaction categorisation it was loved for, the closest Australian replacements are Frollo and WeMoney, both of which connect through the Consumer Data Right (Frollo falls back to screen-scraping where CDR is not available). For the “am I actually getting ahead?” question — super, property, shares and HECS in one net-worth picture, which Pocketbook never really answered — that is a wealth tracker, and it is what Richify is built for. Plenty of Australians run one of each.
If you came here from Pocketbook specifically, there is a fuller walkthrough of which jobs Richify picks up and which it doesn't: Richify instead of Pocketbook.
Pocketbook is deliberately excluded from the 9 apps compared above: this page only ranks products you can actually sign up for today. Sources: Zip Co closure announcement and Pocketbook Help Centre closure summary (2022).
See your complete Australian financial picture.
Richify AI connects your super, investments, property, and goals into one AI-powered view with Felix — your AI CFO. Try it free for 7 days. Takes 3 minutes to set up.
Download Richify — 7-day free trial❓ Frequently Asked Questions
What is the best personal finance app in Australia in 2026?
The best app depends on your goal. For AI-powered financial planning, net worth tracking, and super/investment/property/HECS in one view, Richify is the only app built for this in Australia.
For spending tracking, Frollo (open banking CDR) and WeMoney are leading options. For investment reporting and CGT tax time, Sharesight is the category leader.
For hands-off ETF investing, Pearler automates it for you.
Is Richify free to use?
Richify is free to download on iOS and Android with limited use; a 7-day free trial unlocks the full app. You can chat with Felix (your AI CFO), track your net worth and set goals, and the AU-specific calculators on richify.ai are free to use without the app.
Is Richify safe? Does it connect to my bank account?
Richify does not connect to your bank accounts or brokerage accounts — all entries are manual. This is a deliberate privacy-first design.
Your data is encrypted in transit and at rest. Richify does not sell your financial data to third parties.
For those who prefer automatic bank feeds, Frollo and WeMoney both use the CDR open banking framework.
Does Richify provide financial advice?
No. Richify is a financial education and planning platform and is not an AFS licensee. All content, calculators, and AI responses are for educational and informational purposes only.
For personalised financial advice, consult a licensed financial adviser (search the ASIC Financial Advisers Register at moneysmart.gov.au).
How is Richify different from Frollo and WeMoney?
Frollo and WeMoney are primarily spending trackers — they use open banking to categorise your transactions automatically. Richify is a financial planning tool: it doesn't import transactions but instead gives you a holistic net worth view (super + shares + property + HECS + savings) with AI-powered planning from Felix.
Richify helps you grow wealth; Frollo and WeMoney help you manage spending. They serve different purposes and many Australians use both.
How is Richify different from Sharesight?
Sharesight is an excellent share and ETF portfolio tracker with CGT reporting built for active investors. It doesn't track your super, property, HECS, or overall net worth.
Richify provides the full picture — including your investment portfolio, but also every other financial asset and liability — with AI guidance on what it means for your retirement goals. Many investors use Sharesight for detailed CGT/dividend records and Richify for overall financial planning.
What Australian budgeting apps connect to bank accounts?
Apps that use the CDR open banking framework to connect to Australian bank accounts: Frollo (free, broad bank support) and WeMoney (free + Pro, community-focused). Up (a free neobank with built-in budgeting) budgets only its own accounts rather than aggregating other banks.
Note: CDR connections are read-only — no Australian personal finance app can move money on your behalf via bank connections.
Is Sharesight worth paying for?
If you own 10+ securities and need to report capital gains and dividends at tax time, Sharesight's paid plans (Basic A$9, Standard A$29 or Premium A$49 a month billed annually; Standard and up include the Tax Pack, also sold alone for A$59 a year) typically pays for itself. The CGT reporting alone can save hours of manual calculation and help identify tax-loss harvesting opportunities.
For a portfolio under 10 holdings, the free plan covers most needs. Sharesight is best for active investors who trade regularly — buy-and-hold investors with a simple ETF portfolio may find it overkill.
Which finance app is best for tracking superannuation in Australia?
Richify is the only non-super-fund app that provides meaningful super tracking as part of a broader financial picture. You can manually add your super balance and projected retirement income to see how super integrates with your other assets.
Most other finance apps (Frollo, Sharesight, Pearler) don't include super at all. Your super fund's own app (Australian Super, Australian Retirement Trust, Hostplus etc.) is the most accurate source for super balance — Richify complements it by putting that balance into retirement projection context.
Are there any free personal finance apps in Australia that track investments?
Yes — Sharesight is free for up to 10 holdings (investment-only). Pearler, often mentioned alongside it, has no free investing tier: trades cost $6.50, or there is a Micro plan at $2 a month.
Richify, which tracks super, shares, property and HECS together, is free to download with limited use, and a 7-day free trial unlocks the full app. For comprehensive investment reporting with CGT and dividends, Sharesight's paid plan is the most widely used among Australian investors.
Can I use YNAB in Australia?
Yes, but with a major caveat. YNAB (You Need A Budget) is the global standard for zero-based budgeting, and Australians can sign up — it just doesn't connect to Australian banks.
There's no CDR/open banking integration, so you either enter transactions manually or import OFX files from your bank. YNAB is also USD-billed (around US$15/month or US$109/year after a 34-day free trial).
It's worth it if you specifically want the zero-based methodology and don't mind manual entry; otherwise an AU-native option like Frollo (free, automatic bank feeds) usually fits Australians better.
Is PocketSmith good for Australians?
PocketSmith is New Zealand-built and natively supports both Australian and New Zealand users — so the UX is much closer to AU expectations than US apps. Its signature feature is long-range cash-flow forecasting (projections of 10, 30 or 60 years depending on plan, based on your scheduled transactions), which no other budgeting app in the AU market offers.
Bank feeds for Australian banks are included on paid plans (billed in US dollars: Foundation US$9.99/month billed annually, or US$14.95 month-to-month); the free tier is manual entry only. It doesn't track super, HECS, or ASX/ETF investments — for those, pair it with Richify or Sharesight.
Is Pocketbook still available in Australia?
No. Pocketbook shut down on 5 August 2022 and has not returned. It was an Australian-built free budgeting app acquired by Zip in September 2016 for about US$7.5 million, and Zip closed it to refocus on its core ANZ buy-now-pay-later business.
Users had until 4 August 2022 to export their categorised transaction history to CSV, after which Zip said the personal data it held would be deleted. There is no direct replacement, because Pocketbook combined two things the market now separates: for automatic transaction categorisation via Consumer Data Right bank feeds, Frollo and WeMoney are the closest Australian equivalents; for tracking super, property, shares and HECS as a single net-worth picture, that is a wealth tracker such as Richify.
