| Feature | PFO | Budgeting app | Portfolio tracker | Tax tool |
|---|---|---|---|---|
| Budgets & bank feeds | Yes ✓ | Yes ✓ | No — | No — |
| Full net worth: super, property, shares | Yes ✓ | Partial | Partial | No — |
| Occupation-specific deduction-finding + accountant-ready Tax Pack | Yes ✓ | No — | No — | Yes ✓ |
| A coach that answers from your real numbers | Yes ✓ | No — | No — | No — |
| Built for Australia (ATO, HECS, franking, state duty) | Yes ✓ | Partial | Partial | Yes ✓ |
| Private: the AI never learns who you are | Yes ✓ | n/a | n/a | n/a |
| No ads, no product commissions | Yes ✓ | Partial | Partial | Yes ✓ |
| One login for all of it | Yes ✓ | No — | No — | No — |
| Typical cost | Free ledger · Coach $12.99/mo · Tax $19.99/mo | ~$10/mo | ~$29/mo | ~$15/mo |
“Budgeting app”, “portfolio tracker” and “tax tool” describe the typical category, not any one product; features and prices vary. To match PFO you'd usually run all three, about $54/mo, and still switch between them.
On PFO, the free ledger covers budgeting & net worth. The coach is on PFO+ Coach ($12.99/mo); occupation-specific deduction-finding & the accountant-ready Tax Pack are on PFO+ Tax ($19.99/mo).
Why all-in-one matters
The picture only makes sense together
Your budget, super, shares and debts are one financial life. Split across apps, nothing can tell you what you can really afford. One app that sees it all can.
A coach needs the whole picture
PFO's AI answers from your actual accounts because they're all in one place. A tracker that only sees your shares can't tell you whether a purchase fits your budget this month.
Built for Australia
ATO tax, HECS, franking credits, super caps and state stamp duty: the details overseas apps get wrong and single-purpose tools skip.
One app for all of it. First access + founding pricing for the first 500, locked for life.