Best Budgeting Apps in Australia (2026)

For most Australians the best free budgeting app is Frollo: it links your banks through open banking, costs nothing and has no ads. WeMoney does the same for free and adds Equifax and Experian credit scores. PocketSmith is the pick if you'll pay for long-range cash-flow forecasts. YNAB and Goodbudget suit a strict every-dollar or envelope method, with transactions you import or enter yourself. If you bank with Up, its app already budgets for you. Prices below were checked on each provider's own site on 23 September 2026.

Many "best budgeting app" lists are US lists. The apps on them link banks through Plaid, which supports banks in the US, Canada, the UK and Europe but none in Australia. Australian apps use the Consumer Data Right (CDR), Australia's open-banking system: your bank confirms your identity with a one-time passcode and shares your transactions with the app, without the app seeing your banking password. For institutions not yet on open banking, Frollo, WeMoney and PocketSmith fall back to a data partner that uses your bank login.

The apps compared

Frollo vs WeMoney vs PocketSmith

Frollo

Frollo is free, has no ads and no paid tier. It links more than 110 banks and other data holders through open banking, and uses Yodlee screen-scraping for institutions outside open banking, including super and investment accounts. It categorises your spending, tracks budgets, goals, bills and net worth, and alerts you when you don't have enough money for an upcoming bill. Its Financial Passport is a PDF built from up to 12 months of your transactions that you can share with a mortgage broker. Frollo's business arm sells its open-banking platform to other companies.

Pick Frollo if you want free automatic tracking across several banks and are happy to connect them.

WeMoney

WeMoney is free, with more than 1.6 million downloads in Australia by its own count. It's an accredited CDR data recipient, and it also connects banks through Yodlee and Mastercard Finicity, which use your bank login. It shows your balances, budgets and bills, detects recurring expenses including subscriptions, and gives you free monthly Equifax and Experian credit scores. WeMoney Pro costs $9.99 a month or $99 a year after a 7-day trial and adds unlimited custom categories, desktop access, daily fraud alerts, automatic goal tracking and no ads.

WeMoney earns commissions from the lenders it refers you to, according to its credit guide, so treat its loan offers as a starting point. Pick WeMoney if you want budgeting and your credit scores in one free app.

PocketSmith

PocketSmith, founded in 2008, projects your cash flow forward from your budgets and bills. The free plan covers 2 accounts and 12 budgets with manual imports and a 6-month forecast, and has no bank feeds. Paid plans add bank feeds and longer forecasts:

• Foundation: $14.95 a month, or $9.99 a month billed annually. 6 banks from one country, 10-year forecast.
• Flourish: $24.95 a month, or $16.66 billed annually. 18 banks from any country, 30-year forecast.
• Fortune: $39.95 a month, or $26.66 billed annually. Unlimited banks, 60-year forecast.

Australian feeds use open banking through Mastercard (for feeds created since August 2026), with a Yodlee feed as the fallback. Pick PocketSmith if you have irregular income or want to see where today's spending leaves you in years, and will pay for it.

Up

Up is a brand of Bendigo and Adelaide Bank with no monthly account fee, and its budgeting tools sit inside the banking app. Upcoming tracks your regular bills, payments and subscriptions, predicts when they're due, and warns you if your balance is running low. Its other tools include Pay Day, Spendable Balance, Savers, Round Ups and Trackers. It only sees money in Up accounts. Pick Up if your pay already lands there; if your spending runs through several banks, Frollo or WeMoney sees more.

YNAB

YNAB (You Need A Budget) is built on zero-based budgeting: you give every dollar a job before you spend it. It costs US$14.99 a month or US$109 a year after a 34-day free trial, and has no free plan. YNAB's direct import supports some US, Canadian, UK and EU banks, so in Australia you import statement files or enter transactions yourself. Pick YNAB if you want a strict method and will do the importing to run it.

Goodbudget

Goodbudget is envelope budgeting: you split your income into envelopes for rent, groceries and bills and spend from each until it's empty. The free plan has 10 regular and 10 annual envelopes, 1 account, 2 devices and a year of history. Premium costs US$10 a month or US$80 a year for unlimited envelopes and accounts, 5 devices and 7 years of history. Its bank sync works with US banks only, so in Australia you enter transactions yourself. Pick Goodbudget if you like envelopes and don't want an app connected to your bank.

Your bank's own app

Your banking app may already cover the basics. CommBank's Spend Tracker categorises every debit and credit card transaction. ANZ Plus shows spend categories and predicts upcoming expenses. NAB's Spending tool categorises your transactions, and its Upcoming feature predicts bills and subscriptions due in the next 30 days. The Westpac app ranks your spending across more than 30 categories and can cancel eligible subscriptions on Westpac cards. Each sees only its own bank's accounts, so if your money sits across several banks, an open-banking app like Frollo or WeMoney shows the whole picture.

Apps that closed or aren't budgeting apps

Pocketbook, once used by hundreds of thousands of Australians, closed on 5 August 2022 after its owner Zip retired it. Intuit shut Mint down in March 2024 and moved its users to Credit Karma. A 2026 list that still recommends either wasn't checked.

Beem, which has been part of Bolt Group since 30 June 2026, lets you pay, request and split money and pay BPAY bills. It has no budgeting features.

If your problem is subscriptions, not a budget

A budgeting app tracks everything you spend, which takes either an ongoing bank connection or steady manual entry. If what you want is a list of the subscriptions coming out of your accounts, Frollo, WeMoney, Up, NAB's Upcoming and the Westpac app all detect recurring payments for free on the accounts they can see.

SubTracker is a subscription tracker, not a budgeting app. You upload a statement from any Australian bank (PDF, CSV or Excel), with no bank login, and AI lists the recurring charges on it, usually in about a minute. The statement file is deleted when the scan finishes, and results are deleted after 24 hours unless you save them. The first scan is free, and $29 AUD once unlocks the full list and email reminders three days before each charge. It sees only the statements you upload and isn't live. You can run a free scan on a statement now.

To plan every dollar, forecast or track net worth, use one of the budgeting apps above.