+$144 a monthTakeaway down to the household average
+$38 a monthTwo subscriptions you don't use, cancelled
+$223 a monthGroceries closer to the household average
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 and age.
- 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.
| Forecast | Nov | Dec | Jan | Feb | Mar | Apr 2027 |
|---|---|---|---|---|---|---|
| Money in | ||||||
| Pay | $6,850 | $6,850 | $6,850 | $6,850 | $6,850 | $6,850 |
| Money out | ||||||
| Home loan | $2,600 | $2,600 | $2,600 | $2,600 | $2,600 | $2,600 |
| Groceries | $1,100 | $1,300 | $1,100 | $1,100 | $1,100 | $1,100 |
| Bills and utilities | $620 | $560 | $700 | $590 | $610 | $560 |
| Transport | $480 | $480 | $480 | $480 | $480 | $480 |
| Car rego | — | — | $850 | — | — | — |
| Eating out | $412 | $520 | $412 | $412 | $412 | $412 |
| Christmas and gifts | — | $900 | — | — | — | — |
| Car insurance | — | — | — | — | $640 | — |
| Everything else | $918 | $870 | $648 | $978 | $798 | $998 |
| Left over | +$720 | −$380 | +$60 | +$690 | +$210 | +$700 |
| Cash at month end | $7,120 | $6,740 | $6,800 | $7,490 | $7,700 | $8,400 |
A big one-off, forecast in the month it landsA month that spends more than comes in
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.
| Income found | $6,850 a month |
|---|---|
| Regular bills found | 14 |
| Forecast | 60 months ahead |
| Balance in 12 months | $11,200 |
See what you'd save, compared with households like yours
Your spending is compared with similar Australian households, matched on household type and age. 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.
After three months
+$1,100
ahead of your usual path
- TakeawayOn track
- SubscriptionsOn track
- GroceriesNot on track yet
Coaches with character
Ask questions about your own numbers and pick who answers. Same honest maths, very different delivery.
Four hundred dollars on takeaway? Re, you have a kitchen. Use it.Uncle Stavros
And he commits to cutting it by $144 a month. What a turnaround, ladies and gentlemen.Nigel
Six to choose from: Alice, Uncle Stavros, Nonno, The Announcer, Nigel and Jacko.
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.