Your whole financial life, finally in one place.
Stop juggling three apps and second-guessing your money. PFO brings your bank, super, shares and property into one honest number, finds the deductions you'd miss, and coaches you on your own figures. All privately — the AI never learns who you are.
Wary of handing an AI your bank data? PFO's never sees who you are — your identity is stripped to anonymous tokens before anything reaches it, onshore, and never used to train.
Tax, Medicare, LITO & take-home for 2026-27 — resident, foreign or working-holiday.
Transfer duty by state, with first-home concessions & grants. All 8 states.
Monthly, fortnightly or weekly repayments, plus total interest over the loan.
How much you could borrow — assessed with APRA's 3% serviceability buffer.
How much an offset really shaves off your mortgage interest and term.
Repayment on the new marginal system, plus a payoff-time estimate.
CGT on shares or property, with the 50% discount, at your marginal rate.
Super tax savings for 2026-27 and the $32,500 concessional cap.
Deposit, rates, growth and opportunity cost over time.
WFH hours, car and the common work-related claims.
One app instead of three.
PFO connects every account and tracks every dollar for free. On PFO+ it becomes an AI money manager that coaches you on your own numbers and gets you EOFY-ready. No products, no commissions, no ads.
- 1Connect your accounts
Securely link your banks, super and investments — or add them by hand. Read-only; PFO can never touch your money.
- 2See your whole picture
Net worth, spending, bills and tax in one honest number that updates itself — nothing scattered, nothing missed.
- 3Get coached — privately
Ask your money anything and get answers from your real figures. The AI never learns who you are.
Budget, net worth, portfolio, super, property and an AI coach that sees the whole picture. See how it compares →
Ask your money anything
"Can I afford this trip?" — answered from your actual accounts, not guesswork. Grounded in your real numbers, so it won't invent a figure.
One honest number
Bank, super, shares and property in a net worth that updates itself.
EOFY-ready, automatically
Flags deductions as you spend, then hands you a finished Tax Pack with receipts & CGT.
Never blindsided
Safe-to-spend before payday, bills on track, pay-day allocation that fills your goals first.
Genuinely built for Australia
ATO tax, HECS, franking credits, super caps, state stamp duty — the AU details overseas apps get wrong.
Nobody's in its ear but you
No products, no commissions, no ads. We earn one way — your subscription.
See exactly what your accountant gets
PFO+ Tax turns a year of spending into one accountant-ready PDF: a deduction schedule categorised by ATO code with GST split out, then every receipt attached and cross-referenced to its line — several to a page, so even a year of them stays compact.
Sample figures for illustration. Your real pack is built from your own transactions & receipts.
First home buyer schemes & stamp duty in 2026
Stamp-duty concessions, the grant, the 5% deposit guarantee and FHSS — how they stack up.
How HECS-HELP repayments & indexation work in 2026
The new marginal system explained, and whether paying it off early is worth it.
Rent vs buy in Australia: how to actually decide
The costs people forget, and the one number that flips the answer.
"The AI never learns who you are."
Anonymous tokens before anything reaches the model. Enterprise Vertex AI, onshore in Australia. Never used to train — ours or theirs. Receipts encrypted and kept out of the AI path entirely.
Simple pricing
Everything three apps do (~$54/mo), from $12.99. The whole ledger is free — pay only for the automation & intelligence.Free
- ✓ Budget, saved reports & bills
- ✓ Net worth: super, shares, property
- ✓ Goals, debts & cashflow forecast
- ✓ Import & export your data anytime
PFO+ Coach
- ✓ Ask your money anything — AI coach
- ✓ Automatic bank feeds
- ✓ Smart pay-day allocation
PFO+ Tax
- ✓ Deduction-finding automation
- ✓ Accountant-ready Tax Pack (CGT/receipts)
- ✓ For many, the deductions it surfaces cover the year
Founding pricing at launch · cancel anytime · your data stays yours — export or delete it whenever.
Common questions
What makes PFO different from other budgeting apps?
It's all-in-one: budgeting, bank feeds, full net worth (super, property, shares), tax-deduction finding and an AI coach that answers from your real numbers — in one app, built for Australia. To match it you'd stack ~3 apps for around $54/mo, and they wouldn't talk to each other.
Does the AI see my personal financial data?
Your identity is stripped before anything reaches the AI — merchant, account, goal and holding names are swapped for anonymous tokens, and the map that could reverse them never leaves our servers. It runs on enterprise Vertex AI in Australia, your data is never used to train models, and the coach never sees your receipts.
How do bank feeds work — is my money safe?
PFO is information-only: it can never move, transfer or touch your money. Bank feeds are read-only and provided by a licensed data partner under Australia's Consumer Data Right (open banking), which you authorise and can switch off at any time. Prefer not to connect a feed? You can add and update accounts manually.
What does PFO cost?
The full app ledger is free forever. PFO+ Coach from $12.99/mo adds the AI coach, automatic bank feeds and pay-day allocation; PFO+ Tax from $19.99/mo adds deduction-finding and an accountant-ready Tax Pack.
Is PFO financial advice?
No. PFO gives general information grounded in your own numbers and never recommends products. No commissions, no ads — we earn only from your subscription.
When does PFO launch, and on what platforms?
PFO is launching on iOS and Android later in 2026. Join the early-access list for first access and founding pricing — all it takes is your email, no bank details or card.
Can I get my data out, or delete it?
Yes — your data is yours. You can export everything, or delete your account and all its data, at any time from inside the app. We never sell your data.
These tools, running themselves — in your pocket.
Launching later in 2026 on iOS & Android. Join and you get first access, founding pricing locked, and one launch email — nothing else.
Just your email — no bank details, no card. Founding pricing for the first 500.