Best Budgeting Apps
Australia 2026 — Ranked
Mint (Intuit) never operated in Australia, but it shut down globally in January 2024. Here are the 6 best Australian-friendly replacements — covering budgeting, net worth, super tracking, and credit scores. Free options included.
Quick answer: For free use, WeMoney or the ASIC MoneySmart Budget Planner. For Open Banking power, Frollo. For couples banking together, Up Bank. For multi-bank cash-flow planning, Pocketsmith. For whole-of-wealth across super + ETFs + property + crypto in one view with an AI CFO, Richify.
Richify
AI CFO + named-specialist team. Whole-of-wealth across super, ETFs, shares, property, crypto, and offset.
Pros
- + AI agents explain trade-offs in plain language — no jargon walls
- + Tracks super + non-super in one view (the typical AU gap in other apps)
- + Whole-of-wealth view including property + crypto, not just spending
- + Ada calculates a CFPB-style financial wellbeing score on your real numbers
Cons
- − Newer entrant — younger app store rating sample than incumbents
- − Open Banking integrations rolling out by region
Frollo
Open Banking-native PFM. The AU CDR (Consumer Data Right) reference app for personal finance.
Pros
- + CDR / Open Banking native — broadest AU bank coverage
- + Strong bill prediction + spending categorisation
- + Powers white-label features for major AU banks
Cons
- − Limited net-worth + investment tracking outside core bank data
- − Less coverage of super balance + super contribution tracking
WeMoney
Free credit score + budgeting + community. The closest direct successor to Mint's free model.
Pros
- + Free Equifax credit score (Mint's headline AU-relevant feature)
- + Active community / forum + financial-coaching prompts
- + Strong free-tier value for budgeting basics
Cons
- − Heavy partner-offer monetisation — affects pure-budgeting focus
- − Less depth on super, ETFs, and outside-banking net worth
Up Bank
Neobank with native in-app budgeting (Up Savers + 2Up + Pay Day). Banking and budget collapsed into one product.
Pros
- + Best-in-class spending UX inside the bank itself
- + 2Up shared accounts for couples; Pay Day automated splits
- + No app to set up if you already use Up as your everyday bank
Cons
- − Only works if you bank with Up — no multi-bank consolidation
- − No tracking of investments, super, or property net worth
Pocketsmith
NZ/AU-built power-user tool. Calendar-based forecasting, deep budget categories, multi-currency.
Pros
- + 10-year cash-flow forecasting calendar — the strongest planning view
- + Multi-currency for expats and frequent travellers
- + Manual + bank-feed flexibility; works in NZ too
Cons
- − Steeper learning curve than mobile-first competitors
- − Free tier is restricted; full power needs the paid plans
ASIC MoneySmart Budget Planner
Free government budgeting tool. No app — a guided calculator on moneysmart.gov.au.
Pros
- + Genuinely free, government-funded, no monetisation
- + Pairs with ASIC's broader MoneySmart calculator suite (super, mortgage, retirement)
- + Best entry point for someone building their first budget
Cons
- − Not an app — calculator-style web tool, no daily tracking
- − No bank-feed integration; manual entry only
Feature matrix at a glance
| App | Bank feeds | Super | ETFs / shares | Property | Credit score | AI agents |
|---|---|---|---|---|---|---|
| Richify | ✓ | ✓ | ✓ | ✓ | — | ✓ |
| Frollo | ✓ CDR | manual | — | — | — | — |
| WeMoney | ✓ CDR | manual | — | — | ✓ Equifax | — |
| Up Bank | ✓ native | — | — | — | — | — |
| Pocketsmith | ✓ mix | manual | manual | manual | — | — |
| ASIC MoneySmart | — | — | — | — | — | — |
Coverage levels noted as of June 2026. Bank-feed coverage depends on CDR rollout status by institution. Super and investment integrations are evolving across all apps.
Whole-of-wealth in one app
Super + ETFs + property + crypto + offset, in one Australian-aware view. With an AI CFO and 7 specialist agents that explain trade-offs in plain language.
Get Richify — free on iOS & AndroidFree tier available. No ads. Not personal financial product advice.
❓ Frequently Asked Questions
Did Mint operate in Australia?
No. Intuit's Mint was a US-only product and never officially operated in Australia — Australians who used Mint were either accessing the US service via VPN or while living in the US. Intuit shut Mint down in January 2024 globally. The query 'mint alternative Australia' has continued because Australians who used Mint are now searching for AU-native replacements, and the term has become shorthand for 'free budgeting app like Mint'.
What is the best free budgeting app in Australia in 2026?
For pure free use, WeMoney is the closest direct successor to Mint's free model — it gives you a free Equifax credit score and basic budgeting in one app. The ASIC MoneySmart Budget Planner is the government-funded ad-free alternative if you prefer no monetisation. For free Open-Banking-powered tracking, Frollo's consumer app remains the broadest. Richify offers a free tier focused on whole-of-wealth tracking (super + ETFs + property) rather than just spending.
What is the best budgeting app for couples in Australia?
Up Bank's 2Up shared accounts are designed for couples banking together — both partners see the same balance and transactions, and Pay Day automates shared bill splits. Pocketsmith supports multi-user budgets across accounts at different banks. Richify supports linking multiple users' accounts under one household view for couples managing finances jointly across banks and super funds.
Which AU budgeting app uses Open Banking / CDR?
Frollo is the original AU CDR (Consumer Data Right) reference app — they helped build the CDR standard and have the broadest bank coverage. WeMoney uses CDR. Pocketsmith uses a mix of CDR and screen-scraping depending on the bank. Up Bank doesn't need CDR because it owns the banking layer. Richify is rolling out CDR integration progressively. The ASIC MoneySmart Budget Planner doesn't connect to bank feeds at all.
Does any AU app track superannuation?
Superannuation tracking is the weakest spot for most AU budgeting apps. Richify is built around whole-of-wealth and treats super as a first-class account alongside ETFs and property. Pocketsmith can include super if you enter it manually. Frollo, WeMoney, and Up Bank focus on banking and cards — super balances generally need to be added manually or pulled from MyGov. ATO's MyGov account aggregates all your super accounts for free.
How do these compare on price?
Free: ASIC MoneySmart Budget Planner (government), WeMoney (ad-supported), Up Bank (free with an Up account), Frollo (free consumer app), Richify free tier. Paid: Pocketsmith from A$14.95/month (Foundation) or A$22.95/month (Super, the most powerful plan), Richify Pro from A$15/month. For most users the free tier of Richify + the ASIC MoneySmart Budget Planner together cover everything Mint used to do for free.
Is the ASIC MoneySmart Budget Planner an app?
No — it's a web-based budgeting calculator on moneysmart.gov.au. There's no mobile app, no daily tracking, no bank-feed integration. It's ideal as a one-off budget setup tool or for someone building their first budget. Pair it with one of the bank-connected apps (Frollo, WeMoney, Up, Richify) for ongoing tracking.
What if I want one app for everything: spending, investments, super, and property?
That's specifically what Richify is built for — whole-of-wealth across super, ETFs, shares, property, crypto, and offset balances. Most other AU apps in this list focus on one or two layers: Frollo and Up on banking; WeMoney on credit score + spending; Pocketsmith on cash-flow planning; MoneySmart on budgeting only. For an all-in-one view across asset classes, Richify is the most direct fit.
Is Richify financial advice?
No. Richify is a personal-finance education, tracking, and projection tool. It does not provide personal financial product advice or tax advice and is not authorised by ASIC to provide personal financial advice. Verify any major financial decision with an AFSL-holder licensed financial adviser or registered tax agent.