See where your money's heading, and what changing it is worth.
Connect your bank and PersonaFi does the rest: forecasts your cash, compares your spending with households like yours, explains it in a coach's voice, and tracks what every change you commit to is worth.
- 1A forecast, built for you
- 2Compared with people like you
- 3A coach you'll listen to
- 4Proof of what it's worth
Built for Australian households. Your bank connects through Basiq, an accredited open-banking partner. We never see 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.
Facts both were given: groceries $1,690 a month; similar households $820; closing the gap frees up $10,440 a year. Made-up numbers.
At today's prices. Made-up numbers.
4Commit, 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
How it works
From bank feed to proof of progress
Connect
Link your accounts through Basiq, or upload a CSV from your bank.
Forecast
Your transactions are sorted and your forecast is built for you, from your real balance.
Compare
See where you sit against households like yours, and the cuts that would close the gaps.
Commit and track
Commit to the changes you choose. Your coach keeps you honest; the baseline shows what they're worth.
Trust
Your data, in plain language
How your bank connects
Through Basiq, an accredited open-banking partner. We never see or store your banking password, and you can disconnect any account 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
Coach summaries are written by OpenAI's models from facts PersonaFi works out (category totals, forecasts, comparisons) and your first name. Transaction descriptions, account numbers and bank logins 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. To close your account, email support@personafi.com.au.
Questions about your data? Email privacy@personafi.com.au.
Know where you're heading. Prove what you've changed.
PersonaFi is in beta. Joining takes a few minutes:
- Create your account with your email.
- Add a few profile details, so you're compared with the right households.
- Connect your bank or upload a CSV 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.