Freedom251 › Personal Finance Software
Funance
by Funance
What Funance is
Funance is a web-based personal finance planner for Australian households. It uses numbers entered by the user to estimate take-home pay, mortgage-rate effects, debt payoff, and financial priorities. Monthly budgets show income, expenses, bills, planned versus actual amounts, and overdue bills. Debt tools compare avalanche and snowball methods and show how extra repayments change the debt-free date. Users can choose from 11 goal types and estimate monthly savings; the home goal includes stamp duty and mortgage insurance. The tax estimator uses 2026–27 ATO rates, Medicare levy details, HECS-HELP thresholds, and state stamp-duty estimates. Mortgage planning models rate rises and extra repayments, while home values are checked against official ABS data for eight capital cities. Funance does not connect to bank accounts or import transactions, so figures are entered manually. It also supports bill and net-worth tracking and report export. The free plan costs nothing after the 14-day trial and includes 3 tabs. Pro costs A$9.90 a month, while annual Pro costs A$79 a year.
Who it suits
It suits adults in Australia who want budgeting, debt, mortgage, tax, and savings planning from manually entered figures. It is a dashboard rather than a bank, accounting platform, tax service, or financial adviser.
What it does well
- Budgeting with planned and actual amounts
- Avalanche and snowball debt comparisons
- 11 savings goal types
- Australian tax and stamp-duty estimates
- Net-worth tracking and report export
What to know first
- No bank connections or transaction imports
- Financial figures require manual entry
- Free plan includes three tabs
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Pro | No card required. Cancel any time. · 11 tabs · 51 personalised recommendations · 20 Australian credit cards analysed | A$9.90 a month |
| Free | Overview, Budget and Debts tabs · Australian tax estimator · PDF export · local dashboard only, no cloud sync | Free |
| Pro Annual | 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 | A$79 a year |
| Pro Monthly | 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 | A$9.90 a month |
As funance.com.au lists them, read 22 Sept 2026. The maker's own page has the final word.
Verdict
Funance brings Australian household budgeting, debt, mortgage, tax, and goal planning into one web dashboard. Decide whether manual data entry and the Free plan’s three-tab limit fit your needs before subscribing.
Facts from Funance's own pages
- Account sync
- manual · funance.com.au, 22 Sept 2026
- Australian calculations
- The tax estimator uses 2026–27 ATO rates and includes Medicare levy, HECS-HELP thresholds and state stamp duty estimates. · funance.com.au, 11 Oct 2026
- Bank connection
- Funance does not connect to bank accounts or import transactions; users enter their financial figures themselves. · funance.com.au, 11 Oct 2026
- Bill tracking
- Yes · funance.com.au, 22 Sept 2026
- Budgeting
- The budget shows income, expenses and bills month by month, including planned versus actual amounts and overdue bills. · funance.com.au, 11 Oct 2026
- Budgeting tools
- Yes · funance.com.au, 22 Sept 2026
- 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. · funance.com.au, 11 Oct 2026
- Debt payoff
- The debt tools compare avalanche and snowball payoff methods and show how extra repayments affect the debt-free date. · funance.com.au, 11 Oct 2026
- Free plan
- Yes · funance.com.au, 22 Sept 2026
- Goals
- Users can choose from 11 goal types and estimate monthly savings needed; the home goal includes stamp duty and mortgage insurance. · funance.com.au, 11 Oct 2026
- Headquarters
- Melbourne, Victoria, Australia · funance.com.au, 28 Sept 2026
- Integrations
- The privacy policy names Supabase for application data, Stripe for payment processing, Resend for transactional email and Vercel for hosting. · funance.com.au, 11 Oct 2026
- 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. · funance.com.au, 11 Oct 2026
- 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. · funance.com.au, 11 Oct 2026
- Net-worth tracking
- Yes · funance.com.au, 22 Sept 2026
- 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. · funance.com.au, 11 Oct 2026
- 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. · funance.com.au, 11 Oct 2026
- Report export
- Yes · funance.com.au, 22 Sept 2026
- 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. · funance.com.au, 11 Oct 2026
- Support
- The privacy policy says support inquiries receive a response within five business days. · funance.com.au, 11 Oct 2026
Where Funance stands on Freedom251
- Personal Finance Software#93 of 181