PersonaFi is a personal finance app for Australian households.
PersonaFi reads your transactions and builds your forecast automatically: your cash month by month for the next five years, then 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.
No spreadsheets. Nothing to type in to get started. It's modelling, not financial advice.
Example household. Illustrative figures only.
What makes it different
Upload a bank CSV and PersonaFi spots your income, bills and habits, then projects your balance month by month for the next five years. Adjust it if you like. You don't have to.
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.
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.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.
All examples use a made-up household.
Everything in one place
Whether your money lasts, and what your home, super, savings and loans add up to year by year, with super, tax and the Age Pension worked in. Slide your retirement age and see what changes.
Buying a home, a baby, going part-time, a big trip: add it once and see what it does to your cash and your retirement, and when it would leave you short.
"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.
Your coach's take on how this month is tracking, where the money went, and a review of last month in the first week of the next.
An emergency fund, a house deposit or a holiday: see how long each takes at what you can put aside.
Each month is checked against what the forecast said, line by line, so you can fix the lines that are always off. Every change is kept and can be undone.
Transactions are categorised for you, transfers between your own accounts are paired, and a rule fixes the rest for good.
An email or phone alert when your cash is forecast to drop below the amount you want to keep, and a calendar of when the big bills land.
Upload a CSV from your internet banking. Secure bank connections are on the way.
Your five-year forecast, net worth plan and household comparison are ready straight away.
Try a few changes, commit to the ones that matter, and watch how they do against your usual path.
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 betaExamples 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.