No. 51of 181 ·Personal Finance Software

Funance

Web· paid plans from A$6.58/mo

Freedom report

Two barsScore 7.0

Free tierA free tier is on its own pricing page
Runs widely1 of 6 device platforms
DocumentedPlans, terms and facts published

Funance is ranked #51 of 181 in personal finance software on Freedom251, made by Funance (Melbourne, Victoria, Australia). It runs on Web. There is a free plan. A free trial is offered. Paid plans start at A$6.58/mo.

Funance plans and pricing

All plans

Free Free Free forever after the trial if the user does not subscribe. 3 tabs funance.com.au · 22 Sept 2026

Pro A$9.90/mo No card required. Cancel any time. 11 tabs · 51 personalised recommendations · 20 Australian credit cards analysed funance.com.au · 22 Sept 2026

Free Free Overview, Budget and Debts tabs · Australian tax estimator · PDF export · local dashboard only, no cloud sync funance.com.au · 11 Oct 2026

Pro Monthly A$9.90/mo Recurring monthly subscription; billed when the trial ends All 11 tabs · personalised advice · 20 Australian credit cards analysed · rate-rise and extra repayment planning · cloud sync across devices funance.com.au · 11 Oct 2026

Pro Annual A$79/yr Recurring annual subscription; billed when the trial ends All 11 tabs · personalised advice · 20 Australian credit cards analysed · rate-rise and extra repayment planning · cloud sync across devices funance.com.au · 11 Oct 2026

Compared on personal finance software

Free plan: Yes
Budgeting tools: Yes
Bill tracking: Yes
Net-worth tracking: Yes
Account sync: manual
Report export: Yes

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The record

Purpose: Funance is a personal finance planner for Australian households that uses user-entered numbers to estimate take-home pay, mortgage rate effects, debt payoff and financial priorities.
Budgeting: The budget shows income, expenses and bills month by month, including planned versus actual amounts and overdue bills.
Debt payoff: The debt tools compare avalanche and snowball payoff methods and show how extra repayments affect the debt-free date.
Goals: Users can choose from 11 goal types and estimate monthly savings needed; the home goal includes stamp duty and mortgage insurance.
Australian calculations: The tax estimator uses 2026–27 ATO rates and includes Medicare levy, HECS-HELP thresholds and state stamp duty estimates.
Mortgage and property: The planner models rate rises and extra repayments, and checks home values against official ABS price data for the eight capital cities.
Bank connection: Funance does not connect to bank accounts or import transactions; users enter their financial figures themselves.
Integrations: The privacy policy names Supabase for application data, Stripe for payment processing, Resend for transactional email and Vercel for hosting.
Data storage: The maker says financial data is stored with Supabase in its Sydney region and encrypted in transit with TLS 1.3 and at rest in the database.
Security: The maker states authentication uses passwordless magic links, database access is restricted by Row Level Security, and it will notify affected users of a data breach within 72 hours.
Privacy: The maker says it does not sell user data or share it with advertisers or data brokers, and free accounts run entirely in the browser.
Support: The privacy policy says support inquiries receive a response within five business days.
Intended users: Funance is intended for users aged 18 or older and its terms describe it as a personal finance dashboard, not a bank, accounting platform, tax preparation service or financial adviser.
Headquarters: Melbourne, Victoria, Australia
Price from: A$6.58/mo

Where it ranks on Freedom251

Best Personal Finance Software in 2026#51 of 181

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Sources

funance.com.au· checked 11 Oct 2026
funance.com.au/privacy· checked 11 Oct 2026
funance.com.au/terms· checked 11 Oct 2026
funance.com.au/pricing· checked 22 Sept 2026