Your whole financial life in one private app.
Bank, super, shares and property in one honest number. It finds the deductions you’d otherwise miss and answers your questions from your own figures, all privately.
Your whole financial life in one private app.
Bank, super, shares and property in one honest number, all privately.
Run the number before you sign anything.
The same engine that runs inside the app, live all year. Nothing is stored, and the maths never leaves your browser.
One app instead of three, and it reads your own accounts.
The whole ledger is free. Bank feeds are read-only — PFO can see your money, never move it.
One honest number
Bank, super, shares and property in a net worth that updates itself.
Ask your money anything
“Can I afford this?” answered against your real cashflow, not a template.
One Tax Pack at 30 June
Every approved deduction, receipts attached, handed to your accountant.
Never blindsided
Safe-to-spend before payday, bills on track, and pay-day allocation that fills your goals first.
Built for Australia
ATO tax, HECS, franking credits, super caps and state stamp duty — the local details overseas apps get wrong.
Roughly what the average Australian loses each year to subscriptions and scheduled payments they’ve forgotten or no longer use1. PFO names every one in your first week.
Tax Pack — FY 2025–2026
References PFO-2526-001…009
| Ref | Date | Supplier | Description | GST | Amount | Rcpt |
|---|---|---|---|---|---|---|
| D5 Other work-related expenses | ||||||
| PFO-2526-001 | 04/08/25 | Officeworks | USB-C dock & cables | $11.73 | $129.00 | ✓ |
| PFO-2526-002 | 15/08/25 | JB Hi-Fi Business | 27" monitor (home office) | $35.36 | $389.00 | ✓ |
| PFO-2526-003 | 26/08/25 | Australia Post | Express postage — client docs | $2.04 | $22.45 | ✓ |
| D5 subtotal | $540.45 | |||||
| D1 Work-related car expenses | ||||||
| PFO-2526-004 | 06/09/25 | BP Service Station | Fuel — client site travel · 90% business use | $7.66 | $84.30 | ✓ |
| PFO-2526-005 | 17/09/25 | Ampol | Fuel — site travel · 90% business use | $6.92 | $76.10 | ✓ |
| PFO-2526-006 | 28/09/25 | Secure Parking | CBD parking — client meeting | $2.55 | $28.00 | ✓ |
| D1 subtotal | $188.40 | |||||
| D3 Work-related clothing | ||||||
| PFO-2526-007 | 09/10/25 | Hard Yakka | Hi-vis workwear ×3 | $13.36 | $147.00 | ✓ |
| PFO-2526-008 | 20/10/25 | Bunnings Warehouse | Safety boots (steel cap) | $14.45 | $159.00 | ✓ |
| PFO-2526-009 | 31/10/25 | Home laundry | Uniform washing (est.) | — | $18.50 | ✓ |
| D3 subtotal | $324.50 | |||||
See exactly what your accountant gets.
A year of spending turned into one accountant-ready PDF: grouped by ATO category, GST split out, and every receipt attached under the same reference as its line.
To do this today, you’d stitch together three apps that never speak to each other.
And you’d still be the one stitching them together, copying figures between them at tax time.
Your identity is swapped for anonymous tokens before anything reaches the model. It runs on Google’s enterprise Gemini, hosted onshore in Sydney, and your data is never used to train it.
bank feeds are read-only
Answers come from your accounts, never invented.
Stored in Sydney under Australian law.
PFO can see your accounts. It can never move money.
Export everything or delete it outright, any time.
Pay for the intelligence, not the ledger.
Tracking every account is free forever. No products, no commissions, no ads.
PFO
- Budget, saved reports & bills
- Net worth: super, shares & property
- Goals, debts & cashflow forecast
- Unlimited accounts via manual CSV import
- The eleven calculators, import & export anytime
PFO+ Coach
- Ask your money anything
- Automatic bank feeds
- Smart pay-day allocation
PFO+ Tax
- Occupation-specific deduction-finding
- Approve or decline each find, then snap the receipt
- Accountant-ready Tax Pack (CGT & receipts attached)
Founders lock is the first 500 only · cancel anytime · your data stays yours, export or delete it whenever.
Guides, written plainly
All guides →First home buyer schemes & stamp duty in 2026
Concessions, the First Home Owner Grant, the 5% deposit guarantee and FHSS, how they stack up.
How HECS-HELP repayments & indexation work
The new marginal system explained, and whether paying it off early is worth it.
Tax deductions by your occupation
What your job can claim, job by job, and the deductions people forget.
Rent vs buy in Australia: how to decide
The honest way to compare them, the costs people forget, and the one number that flips it.
Common questions
What makes PFO different from other budgeting apps?+
It's all-in-one: budgeting, bank feeds, full net worth (super, property, shares), occupation-specific tax-deduction finding and an AI coach that answers from your real numbers, all in one app and 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 Google's enterprise Gemini, your data is never used to train models, and the coach never sees your receipts. Your accounts and receipts are stored in Australia.
How do bank feeds work, and 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 occupation-specific 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.
Your whole money picture, running itself in your pocket.
Launching later in 2026 on iOS & Android. Join and you get first access, one launch email and nothing else. Founding pricing is locked for life for the first 500.
Just your email, no bank details, no card. Founding pricing for the first 500, locked for life.