Invite-only beta

PersonaFi is a personal finance app for Australian households.

See where your money's heading.

PersonaFi reads your transactions and builds your forecast automatically: your cash for the year ahead and your net worth all the way to retirement. Then it shows how you compare with households like yours, answers "what if" from your own numbers, and tracks whether the changes you make are working.

Join the beta See a worked example

No spreadsheets. Nothing to type in to get started. It's modelling, not financial advice.

Projected balance · Oct 2027
$16,060
+$4,860 vs your usual path
  • Takeaway down to the household average +$144/mo
  • Cancel two subscriptions you don't use +$38/mo
  • Groceries closer to the household average +$223/mo

Example household. Illustrative figures only.

Built in Melbourne Your data is stored in Australia Benchmarks from ABS household data Modelling, not financial advice

What makes it different

Four things a budgeting app won't do for you.

01

A forecast that builds itself

Upload a bank CSV and PersonaFi spots your income, bills and habits, then projects your balance 12 months out. Adjust it if you like. You don't have to.

Income found$6,850 a month
Regular bills found14
Balance in 12 months$11,200
02

You vs households like yours

We compare your spending with similar Australian households, matched on household type and age, so you can see where you're well above and where you're fine.

Takeaway and dining out, a month
You$412
Households like yours$268
03

Coaches with personality

Ask questions about your own numbers and pick who answers. Same honest maths, very different delivery.

Uncle StavrosFour hundred dollars on takeaway? Re, you have a kitchen. Use it.
NigelAnd he commits to cutting it by $144 a month. What a turnaround, ladies and gentlemen.
AliceUncle StavrosNonnoThe AnnouncerNigelJacko
04

Commit, then see if it worked

Commit to the changes you'll make. Your usual spending stays as the comparison, so every month you see what your decisions are worth in dollars.

After 3 months +$1,100 ahead of your usual path, 2 of 3 changes on track

All examples use a made-up household.

Everything in one place

More than a cash forecast.

Cash forecast

Month by month for the year ahead: pay, bills, one-offs and what's left, with a warning before cash gets tight.

Net worth to retirement

Your home, super, savings and loans, projected year by year. Add life events, like a new home, a baby or retiring, and see what they do.

Ask what if

"What if we spent $200 less eating out?" Your coach works it out from your own numbers, and you can add it to your plan.

How you compare

Spending by category, take-home pay, what you keep, net worth and housing costs, next to Australian households like yours.

Commitments you can track

Commit to spending less on something. PersonaFi sets it in your forecast and shows each month whether you kept to it.

Goals

An emergency fund, a house deposit or a holiday: see how long each takes at what you can put aside.

Sorted automatically

Transactions are categorised for you, transfers between your own accounts are paired, and a rule fixes the rest for good.

Low cash alerts

An email or phone alert when your cash is forecast to drop below the amount you want to keep.

Up and running in about five minutes.

  1. 1

    Bring your transactions

    Upload a CSV from your internet banking. Secure bank connections are on the way.

  2. 2

    See where you're heading

    Your 12-month forecast and household comparison are ready straight away.

  3. 3

    Commit and track

    Try a few changes, commit to the ones that matter, and watch how they do against your usual path.

Fair questions

Is this financial advice?
No. PersonaFi models your own numbers so you can see the effect of different choices. It doesn't tell you what to do, and it isn't a licensed adviser.
Do I have to connect my bank?
Not during the beta. A CSV export from your bank is all you need.
Where is my data kept?
It's stored in Australia (Google Cloud, Sydney) and encrypted in transit and at rest. We don't sell your data. A few services outside Australia handle parts of it, such as the AI behind your coach; the privacy policy lists them, and security explains how we protect it.

Find out where you're heading.

PersonaFi is in an invite-only beta. Have an invite code? Join with your email. No code yet? Email support@personafi.com.au to ask for one.

Join the beta

Examples use a made-up household and are illustrations only. Forecasts and comparisons depend on your data and assumptions. PersonaFi doesn't give financial product advice; it isn't a recommendation to buy, sell or hold any financial product.