Compared with your usual spending (the dashed line, which includes your plans), your habit changes put you $4,860 ahead in cash after 1 year.
Dining & Takeaway$412 → $268 a month
Groceries$1,100 → $877 a month
Alcohol & Tobacco$118 → $80 a month
A made-up household. Illustrative figures only.- Built in Melbourne
- An Australian app, made for Australian households.
- Your data is stored in Australia
- Google Cloud, Sydney. Encrypted in transit and at rest.
- ABS household benchmarks
- Compared with households matched on household type, age and income.
- Modelling, not advice
- It shows the effect of your choices. It doesn't tell you what to do.
Your cash flow forecast, month by month.
Every line is forecast from your own transactions: your pay, your regular bills, and the lumpy ones a budget misses, like Christmas, rego and insurance. Change any line or month and the rest of the plan follows.
Try it: open any group to see its line items, then click an actual month to see its transactions, or a forecast month to change it.
| Line Item | Sep 2026 | Oct 2026 | Nov 2026 | Dec 2026 | Jan 2027 | Feb 2027 | Mar 2027 | Apr 2027 |
|---|---|---|---|---|---|---|---|---|
| Status | Actual | Actual | This month | Forecast | Forecast | Forecast | Forecast | Forecast |
| Opening Balance | $4,943 | $5,661 | $6,400 | $7,120 | $6,740 | $6,800 | $7,490 | $7,700 |
| Income | ||||||||
| Salary 1 | $6,850 | $6,850 | $6,850 | $6,850 | $6,850 | $6,850 | $6,850 | $6,850 |
| Total Income | $6,850 | $6,850 | $6,850 | $6,850 | $6,850 | $6,850 | $6,850 | $6,850 |
| Expenses | ||||||||
| -$2,600 | -$2,600 | -$2,600 | -$2,600 | -$2,600 | -$2,600 | -$2,600 | -$2,600 | |
| Mortgage | -$2,600 | -$2,600 | -$2,600 | -$2,600 | -$2,600 | -$2,600 | -$2,600 | -$2,600 |
| -$590 | -$640 | -$620 | -$560 | -$700 | -$590 | -$610 | -$560 | |
| Internet & Mobile | -$134 | -$134 | -$134 | -$134 | -$134 | -$134 | -$134 | -$134 |
| Electricity/Gas | -$456 | -$506 | -$486 | -$426 | -$566 | -$456 | -$476 | -$426 |
| — | — | — | — | — | — | -$640 | — | |
| Vehicle Insurance | — | — | — | — | — | — | -$640 | — |
| -$1,484 | -$1,482 | -$1,512 | -$1,820 | -$1,512 | -$1,512 | -$1,512 | -$1,512 | |
| Groceries | -$1,038 | -$1,084 | -$1,100 | -$1,300 | -$1,100 | -$1,100 | -$1,100 | -$1,100 |
| Dining & Takeaway | -$446 | -$398 | -$412 | -$520 | -$412 | -$412 | -$412 | -$412 |
| -$455 | -$472 | -$480 | -$480 | -$1,330 | -$480 | -$480 | -$480 | |
| Fuel & Servo | -$275 | -$292 | -$300 | -$300 | -$300 | -$300 | -$300 | -$300 |
| Public Transport | -$180 | -$180 | -$180 | -$180 | -$180 | -$180 | -$180 | -$180 |
| Vehicle / License Registration | — | — | — | — | -$850 | — | — | — |
| — | — | — | -$900 | — | — | — | — | |
| Gifts & Donations | — | — | — | -$900 | — | — | — | — |
| -$612 | -$505 | -$520 | -$490 | -$370 | -$560 | -$450 | -$580 | |
| Clothing Purchases | -$342 | -$235 | -$250 | -$220 | -$100 | -$290 | -$180 | -$310 |
| Hair Care | -$90 | -$90 | -$90 | -$90 | -$90 | -$90 | -$90 | -$90 |
| Pharmacy | -$60 | -$60 | -$60 | -$60 | -$60 | -$60 | -$60 | -$60 |
| Household Furnishings | -$120 | -$120 | -$120 | -$120 | -$120 | -$120 | -$120 | -$120 |
| -$241 | -$262 | -$248 | -$230 | -$128 | -$268 | -$198 | -$268 | |
| Streaming Services | -$59 | -$59 | -$59 | -$59 | -$59 | -$59 | -$59 | -$59 |
| Alcohol & Tobacco | -$112 | -$88 | -$100 | -$100 | -$40 | -$100 | -$80 | -$100 |
| Movies & Events | -$70 | -$115 | -$89 | -$71 | -$29 | -$109 | -$59 | -$109 |
| -$150 | -$150 | -$150 | -$150 | -$150 | -$150 | -$150 | -$150 | |
| Gym & Fitness | -$150 | -$150 | -$150 | -$150 | -$150 | -$150 | -$150 | -$150 |
| Total Expenses | -$6,132 | -$6,111 | -$6,130 | -$7,230 | -$6,790 | -$6,160 | -$6,640 | -$6,150 |
| Savings | $718 | $739 | $720 | -$380 | $60 | $690 | $210 | $700 |
| Closing Balance | $5,661 | $6,400 | $7,120 | $6,740 | $6,800 | $7,490 | $7,700 | $8,400 |
As the Forecast tab shows it: actual months from your transactions, then the forecast; spending in about a dozen groups that open to their lines; the bank's balance at the top and bottom of every month. December's Christmas gifts, January's car rego and March's car insurance sit in the months they land. Changes here aren't saved.
As hands-off or hands-on as you like.
Let PersonaFi run everything, or set every number yourself. Most people sit somewhere in between, and you can move along whenever you like.
-
Let it run
Look when you feel like it.
Your transactions are sorted into categories and your forecast is worked out for you. Nothing to set up.
- Pay, bills and habits found for you
- A five-year forecast, built for you
- What's safe to spend until payday
- A nudge when a month eats into a goal
Your part: bring your transactions.
-
Steer it
Tell it what it can't know.
A bonus coming, Christmas costing more this year, takeaway you've decided to cut. A few clicks and the whole plan follows.
- Fix a category once, make it a rule
- Change one month, or every month
- Commit to a change and track what it's worth
- Goals that fill up month by month
Your part: a few minutes now and then.
-
Take the wheel
Every number is yours to set.
For the spreadsheet people. Shape the categories, the forecast and the dashboard exactly how you think about your money.
- Your own categories and names
- Set the forecast line by line
- Goals across several accounts
- Tags like "Japan trip" across categories
- Your cash buffer and your Overview layout
Your part: as much as you want.
Try it above: click any forecast month in the cash flow and change it. Category changes are kept in Change history, so you can undo them any time.
Four things a budgeting app won't do for you.
A forecast that builds itself
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.
Morning, Sam. November’s on track.
- In your accounts now
- $6,400
- End of November
- $7,100
- By October 2027
- $11,200
Today’s balances, added up.
Forecast, $720 more than now.
If you keep going as you are.
See what you'd save, compared with households like yours
Your spending is compared with similar Australian households, matched on household type, age and income. You see where you're well above, where you're fine, and what bringing a category back to typical would be worth.
Make a change. Watch it pay off.
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.
$1,100
saved so far since committing ★ $1,000 milestone
- Dining & Takeaway$412 → $268 a month · since November 2026On track
- Alcohol & Tobacco$118 → $80 a month · since November 2026On track
- Groceries$1,100 → $877 a month · since November 2026Over pace
Coaches with character
Ask questions about your own numbers and pick who answers. Same honest maths, very different delivery.
RE SAM!! $412 A MONTH ON TAKEAWAY?! Your yiayia fed nine children on one chicken and a lemon! Bring it down to $268 and that's $1,728 a year back in your pocket. Now come here, give your uncle a hug.Uncle Stavros
AND IT'S SAM!! THREE MONTHS ON TRACK!! $1,100 SAVED!! OH, I SAY, THAT IS STRAIGHT INTO THE BACK OF THE NET!! Groceries still over pace, mind you. The manager will want a word.Nigel
All examples use a made-up household.
How PersonaFi compares
Less setup. More answers.
Most apps make you build the plan yourself. PersonaFi builds your forecast from your own spending, then shows you what changes are worth.
| Capability | PersonaFi | Moolah | PocketSmith | Frollo | WeMoney |
|---|---|---|---|---|---|
| Forward cash flow forecast | – | – | |||
| Forecast built automaticallyGenerated from your transaction history. No budgets or regular costs to enter first. | – | – | – | – | |
| Compare with similar Australian householdsYour spending benchmarked against ABS household data. | – | – | – | – | |
| Track changes against your original forecastCommit to a change and see what it's actually worth over time. | – | – | – | – | |
| What-if scenarios | – | – | |||
| Net worth planningWhere your assets, debts and savings are heading, not just where they are today. | – | – | |||
| AI coach that uses your numbersBuilt into the app. PersonaFi has six coaches, each with their own style. | – | – | – | ||
| Australian Open Banking | Coming soon |
Based on each provider's public product information, checked 31 October 2026. A tick means the capability is documented; a dash means we could not confirm it in public sources, not proof it is unavailable. Features may vary by plan and platform. Product names belong to their owners; PersonaFi is not affiliated with or endorsed by them. Check each provider's current details before choosing. PersonaFi provides general modelling, not financial advice.
From this month's bills to the day you retire.
- Net worth to retirement
- 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.
- Life events
- 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.
- 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.
- Your month, checked in
- How this month is tracking, where the money went, and a review of last month in the first week of the next.
- Goals
- An emergency fund, a house deposit or a holiday: see how long each takes at what you can put aside.
- Forecast vs actual
- Each month is checked against what the forecast said, line by line. Every change is kept and can be undone.
- 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.
Bring your transactions
Upload a CSV from your internet banking. Secure bank connections are on the way.
Your forecast is ready
Your five-year forecast, net worth plan and household comparison are ready straight away.
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.
Built for people who will never open a spreadsheet.
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.
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.