See where your money's heading, and what changing it is worth.
Upload your bank's transactions and PersonaFi takes it from there, each step leading to the next:
- 1Your forecast builds itselfFrom your transactions. No budget to set up.
- 2See how you compareAgainst Australian households like yours, so you know where you're above the pack.
- 3Your coach explains itWhat's driving the gaps, in a voice you'll actually listen to.
- 4Ask what a change would doAny what-if, run through your own numbers.
- 5Commit, and see what it's worthTracked every month against your usual spending.
Built for Australian households. In the beta you upload your bank's transactions as a CSV; direct bank connections are coming. We never ask for your banking password.
1Automatic forecasting
No budget to build. Your forecast is ready when you are.
PersonaFi reads your transactions, finds the pay, bills and spending that repeat, and carries them forward month by month from your real bank balance. You can change any line; you never have to.
- Spots what repeats and when: fortnightly pay, monthly rent, quarterly bills
- Averages the rest, like groceries and fuel
- Shows where this month is heading, and the months ahead, before they happen
- Flags months where cash dips, and puts planned life events into the forecast
| Line | How it's forecast | A month |
|---|---|---|
| Salaries | Every 2 weeks, last paid Thu | $8,450 |
| Rent | Monthly, on the 1st | −$2,600 |
| Groceries | 6-month average | −$1,690 |
| Car loan | Monthly, on the 15th | −$480 |
| Electricity/Gas | Every 3 months | −$170 |
| Streaming | Monthly, 3 services | −$46 |
…and every other line, totalled into a month-by-month cash forecast. Made-up numbers.
Groceries run $870 a month above similar households. Bringing them to the average could free up $10,440 a year.
2Benchmarking
Find out what's normal, for households like yours.
"Spend less" is useless advice. PersonaFi compares your spending, income, saving and net worth with Australian households of the same make-up and age, using ABS survey data brought forward for inflation, so you can see exactly where you're above the pack and by how much.
- Matched on who's in the household and your age
- Spending, income, savings rate and net worth
- The gaps become your suggested cuts, with the saving worked out
- Where you're already below average, it says so too
3AI coach personas
The same numbers, in a voice you'll actually listen to.
Pick your coach and turn the humour and bluntness up or down. They explain how your month is going, what's driving it and what the cuts would do. PersonaFi works out every number first; the coach only puts it in words, and a reply with a figure that isn't in the facts is thrown out.
Coaches explain your spending, forecasts and scenarios. They don't recommend financial products or tell you what to do with super, investments, insurance or loans.
4Next: ask what a change would do ↓
Facts both were given: groceries $1,690 a month; similar households $820; closing the gap frees up $10,440 a year. Made-up numbers.
What if we buy a $750k place in mid-2028?
| Price | $750,000 |
| Deposit and buying costs | $180,000 |
| Loan | $600,000 |
| Repayments (6.2%, 30 years) | $3,675 a month |
| Rent you'd stop paying | $2,600 a month |
In July 2028 your cash would be $22,000 short.
Modelling based on your numbers and the assumptions shown. Not financial advice.
Every figure comes from the plan before the coach says a word. Made-up numbers.
4Ask your coach
Ask anything about your money. Get your own numbers back.
Type a question the way you'd say it. Your coach answers from your transactions, your forecast and your plan, and runs what-ifs straight through them, so you see what a choice does to your cash and net worth before you make it.
- Day to day: what's safe to spend until payday, which bills are coming, anything unusual
- What-ifs: a new car, a pay rise, a baby, losing your job, buying a home
- If a choice would run your cash out, or mean selling something, it says so first
- One tap adds it to your plan, and you can take it out again
It's modelling, not financial advice. Your coach shows what your own numbers say under the assumptions on screen; it never tells you what to buy, sell, borrow or invest in.
5Commit, track, prove it
Commit to a change. Watch exactly what it's worth.
Most apps stop at the suggestion. PersonaFi keeps your usual-spending forecast as a baseline, puts your commitment into your forecast, and tracks you against it every month, so you can see the dollars your changes have added up to, in cash and in net worth.
- One click turns a suggested cut into a commitment in your forecast
- Month by month: met, missed, and how this month is pacing
- Baseline vs now, in cash and net worth, at 1, 3 and 5 years
- Miss three months in a row and your forecast goes back to your real habits, so it stays honest
At today's prices. Made-up numbers.
Why PersonaFi
How it's different from what you might use now
A budgeting app
- Good at
- Showing where your money went, and setting limits for each category.
- PersonaFi
- Starts from where your money is heading, with no budget to build, and shows what a change is worth against your usual spending.
A spreadsheet
- Good at
- Total control. Any calculation you can think of.
- PersonaFi
- No typing in transactions or building formulas. Categories, your forecast and comparisons with similar households are done for you, and kept up to date.
A financial adviser
- Good at
- Personal advice on super, investments, insurance and loans. PersonaFi doesn't give advice.
- PersonaFi
- For the everyday: your spending, your cash forecast and your what-ifs, any time you ask. If you need advice, an adviser is the right call.
Trust
Your data, in plain language
How your data gets in
You export a CSV from internet banking and upload it. PersonaFi never asks for your banking password, and you can delete your account and its data at any time.
What we use it for
Sorting your spending, building your forecasts and comparisons, and writing your coach's summaries. Your data isn't sold.
How the AI is used
Your coach's summaries and answers are written by OpenAI's models from figures PersonaFi works out first (category totals, forecasts, your plan). Your name is swapped for a stand-in before anything is sent, and your bank login, email address and full transaction history aren't sent.
Every number traces back
Forecasts come from your own transactions, and you can see and change how each line is worked out. You can download your data or delete your account in Settings at any time.
Read the privacy policy and how we keep your data secure, or email privacy@personafi.com.au with questions about your data.
Know where you're heading. Prove what you've changed.
PersonaFi is in an invite-only beta. Joining takes a few minutes:
- Create your account with your email and the invite code you were sent.
- Add a few profile details, so you're compared with the right households.
- Upload a CSV export from your bank whenever you're ready.
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.