About PersonaFi
Helping Australians make better money decisions, before they make them.
PersonaFi exists to help everyday Australians make better financial decisions through clarity, forecasting and personalised guidance.
Why we're building it
Most personal finance tools are good at telling you what already happened. That's useful, but it isn't what keeps people up at night. The real questions are about what comes next: whether you can afford something, what a big change will do, and whether you're on track.
PersonaFi is built to answer those questions. It moves past budgeting and categorising into proactive decisions, so you can see the consequences of a choice before you make it, and feel more confident about where you're heading.
Most money apps
- Show what you spent last month
- Set a budget and hope it holds
- Charts without an answer
PersonaFi
- Shows where your money is heading
- Tests a decision before you make it
- A plain answer, with the working shown
What we believe
Forecast first
Tracking is necessary. Seeing what's likely to happen next is what makes it valuable.
Show the working
You should always be able to see why a number is what it is, and why it changed. No black boxes.
Useful beats perfect
Good decisions don't need perfect data. They need numbers accurate enough to act on.
Simple, not simplistic
Money can be complicated. Understanding your own shouldn't need a finance degree.
Trust comes first
Correct data, reasonable assumptions and honest recommendations. We'd rather lose engagement than lose your trust.
Less anxiety, more clarity
Knowing what's coming is calmer than guessing. The product should feel smart without being overwhelming.
What PersonaFi does today
- Reads the transactions you export from your bank (CSV)
- Sorts every transaction into plain categories
- Matches transfers between your own accounts
- Finds your repeating bills and pay
- Forecasts your cash month by month
- Shows where this month is heading
- Projects your net worth to retirement
- Works in Australian tax, super and the Age Pension
- Tracks goals from one shared savings pot
- Models life events like buying a home or having a child
- Lets you change how any line is forecast
- Gives you a coach's read on how you're tracking
A coach, not a chatbot
Your coach is there to explain your spending, your forecast and your scenarios, and to challenge you on them, not to make small talk. Coaches don't recommend financial products or tell you what to do with super, investments, insurance or loans. Choose the personality you'll listen to, from a straight-talking Aussie to a dramatic Greek uncle, and set how funny and how blunt they are. Whatever the voice, the numbers underneath are the same, and the coach is always clear about what it's assuming.
Where we're heading
Our aim is a complete financial operating system for Australian households: connect your accounts and immediately understand your net worth, cash flow, spending, savings rate, risks and opportunities, and where you'll be in the future. Questions like these, answered without a spreadsheet:
- Can I afford this?
- What happens if I buy a new car?
- What happens if interest rates change?
- Can I retire earlier?
- Can we have another child?
- How much house can I afford?
- What will my cash look like in six months?
- Why is my forecast changing?
Some of these PersonaFi answers today; others are what we're building towards.
Who it's for
Professionals and households who want more control over their financial future. People with generally stable incomes who want to see what's coming, want guidance without needing a financial planner, and often already keep a spreadsheet or a budgeting app.
And for the more financially engaged, deeper forecasting and scenario modelling to optimise, not just budget.