Managing money in Australia had quietly become a second job. Your bank in one app, super in another, shares somewhere else, and a year of receipts buried in your inbox. The apps that promised to help were often part of the problem. The “free” ones paid for themselves by selling your data, or by steering you toward whatever product paid the biggest commission.
So we built PFO, your Personal Financial Officer. One private app that brings your whole financial life into a single honest number, finds the deductions your occupation entitles you to as you spend, and answers your money questions from your real figures. It won’t tell you what to do. It gives you the full picture and the plain information you need, so the decision is always yours, made for your needs and your future. It is the kind of financial oversight once reserved for people wealthy enough to have a financial planner, now within reach for everyone.
Most money apps have a second customer you never see: an advertiser, a product partner, a data buyer. PFO doesn’t. We earn one way, from your subscription, so the only interest the app serves is yours. Trusting an AI with your bank data should never feel like a gamble, so the coach never learns who you are. Your identity is stripped to anonymous tokens before anything reaches it, your data stays in Australia, and it never trains anyone’s model.
It’s built for Australia, down to the details overseas apps get wrong: ATO tax and HECS, franking credits, super caps, state stamp duty. Today the free calculators are live. The full app is in build, and launches later in 2026.
What you can hold us to
- ✓We’ll never sell your data, or let it train anyone’s AI.
- ✓No products, no commissions, no ads. Ever.
- ✓General information only, grounded in your own numbers. Never a sales pitch dressed up as advice.
- ✓Your data is yours. Export it or delete it, any time.
If that sounds like the money app you’ve been waiting for, come in early. Founding pricing is locked for life for the first 500. Join the early-access list.
The team at PFO