See where your money is heading.

Turn your banking data into a picture of your financial future. See what you can afford, spot cash shortfalls and test big decisions before you commit.

Join the beta See how it works

Built for Australian households. Your bank connects through Basiq, an accredited open-banking partner. We never see your banking password.

Your cash, past and ahead Example household
What happenedForecastYour minimum cash buffer
Under these assumptions, projected cash stays above your minimum buffer through the renovation month.

See how it works

Change an assumption. Watch the forecast move.

This is an example household, worked the way PersonaFi works yours: pay, bills and everyday spending carried forward month by month, with your bank balance as the starting point. Try changing the plan.

What happenedForecastYour minimum cash buffer
Coach's readExample, Alice the Analyst

Assumptions

    Illustration only, with made-up numbers. It isn't a recommendation about any purchase or financial product.

    What it's for

    The money questions you actually ask, worked through

    Without building a spreadsheet, and with the working and assumptions shown so you can judge the answer.

    What can I afford?See what a purchase or goal does to your cash forecast, and when it's reachable under your assumptions.
    What will my cash look like in six months?A month-by-month forecast built from your own bills, pay and spending.
    Am I on track this month?Where the month is heading compared with your forecast, and what's driving it.
    What happens if we buy a home or have a baby?Add the life event and see your cash and net worth change year by year.
    What would retirement look like?Explore retirement scenarios under different assumptions, with tax, super and the Age Pension worked in.
    Where is my money going?Every transaction sorted into plain categories, with repeating bills spotted for you.

    How it works

    From bank feed to a forecast you can work with

    Connect

    Link your accounts through Basiq. We bring in the transaction history your bank makes available through open banking.

    Sort

    Transactions are categorised, transfers between your own accounts are matched, and repeating bills and pay are found.

    Forecast

    See what happened, where this month is heading, and the months ahead. Change any line and the forecast updates.

    Explore

    Test goals and life events under your own assumptions, with your coach explaining how you're tracking and why.

    Forecast first

    Three views of your future, from the same numbers

    Cash forecast

    A cash flow statement for the year: actuals, this month so far, and the forecast, with your bank balance carried through.

    • Flags months where cash is projected to fall below the buffer you set
    • Adjust how any line is forecast
    • Compare with the same months last year

    Net worth to retirement

    What you own and owe, projected through to your planned retirement age and beyond, in today's dollars.

    • Australian tax, super guarantee and Age Pension rules
    • Couples, offset accounts and home loans
    • Explore how changing your assumptions affects the projection

    Goals and life events

    Saving for something, or planning a big change? See when it's reachable and what it means for the rest of your forecast.

    • Shared savings pot across goals
    • Buying or selling a home, having a child, a change in income
    • Linked to your forecast, not a separate list

    Your coach

    Your numbers, explained in a voice you'll listen to

    Your coach explains your spending, your forecast and your scenarios: how you're tracking against forecast, what's driving it, and what changes if an assumption changes. Pick a personality and set how funny and how blunt they are.

    Coaches don't recommend financial products or tell you what to do with super, investments, insurance or loans.

    Uncle Stavros
    Becky from Finance
    Jacko the Battler
    Alice the Analyst
    Nonno Luigi
    Moira MacTavish

    Trust

    Your data, in plain language

    How your bank connects

    Accounts connect through Basiq, an accredited open-banking partner. We never see or store your banking password, and you can disconnect any account from Bank connections at any time.

    What we use it for

    Your transactions are used to sort your spending, build your forecasts and write your coach's summaries. Your data isn't sold.

    How the AI is used

    Coach summaries are written by OpenAI's models from your category totals, forecasts, coach settings and first name. Transaction descriptions, account numbers and bank logins aren't sent.

    Every number traces back

    Forecasts are built from your own transactions, and you can see and change how each line is worked out. To close your account, email support@personafi.com.au.

    Questions about your data? Email privacy@personafi.com.au.

    Know what's coming before it comes.

    PersonaFi is in beta. Here's what joining involves:

    1. Create your account with your email (we'll ask you to verify it).
    2. Add a few profile details.
    3. Connect your bank whenever you're ready. You don't need to connect one to sign up.
    Join the beta