Looking to take control of your finances this year? The right budgeting app can make saving, tracking expenses, and managing bills so much easier. With dozens of options out there, we’ve rounded up a collection of some of the most useful budgeting apps in Australia for 2025 — based on ease of use, features, and local relevance.
These apps are perfect for Aussies who want to build better money habits without the stress.
1. WeMoney – Best All-Rounder for Australians
WeMoney is one of the fastest-growing budgeting apps in Australia — and for good reason. It syncs with your bank accounts, tracks spending, gives you a credit score overview, and even connects you to a personal finance community.
Key Features:
- Automatic transaction categorisation
- Tracks net worth and credit score
- Bill reminders and goal setting
- Strong user reviews on iOS & Android
💰 Great for: People looking for an all-in-one tool that’s made for Aussies.
2. Pocketbook – Best for Simple, Free Budgeting
Pocketbook is a long-standing Aussie favourite that’s completely free. It links directly with your Australian bank accounts, categorises your spending, and sends alerts when you overspend.
Key Features:
- Free to use
- Syncs with over 30 Australian banks
- Simple budget tracking dashboard
- “Safely Spend” limit to keep you on track
💰 Great for: Beginners who want a no-fuss budgeting solution without any cost.
3. MoneyBrilliant – Best for Financial Insights
MoneyBrilliant offers more detailed tracking than most free apps and includes budgeting, super tracking, and even property value insights.
Key Features:
- Links to bank, super, and investment accounts
- Powerful categorisation engine
- Tax deduction reports for freelancers
- Free plan available, with paid upgrade
💰 Great for: Freelancers or detail-oriented users who want deeper insights.
4. Frollo – Best for Ethical Finance Lovers
Frollo focuses on financial wellbeing and supports open banking, meaning you can control and share your financial data securely. It’s free, supports major Aussie banks, and offers gamified money goals.
Key Features:
- Free and intuitive interface
- Open banking-enabled
- Spending insights + goals
- Strong focus on financial wellness
💰 Great for: Aussies who want ethical, transparent money tools.
5. YNAB (You Need A Budget) – Best Premium Option
While not Aussie-specific, YNAB is a powerful budgeting app that has a cult following around the world. It’s based on zero-based budgeting and forces you to “give every dollar a job.”
Key Features:
- Manual entry + account sync options
- Powerful goal-setting features
- Education-focused resources
- ~$15/month after free trial
💰 Great for: Committed budgeters who want total control and don’t mind paying.
How to Choose the Best Budgeting App for You
When deciding which budgeting app is right for you, consider:
- Your goals: Are you saving, reducing debt, or tracking all spending?
- Your bank: Make sure your app connects easily to your financial institution.
- Ease of use: You’re more likely to stick with an app that’s simple and user-friendly.
- Free vs paid: Many Australians start with free tools like Pocketbook or WeMoney before upgrading to premium tools.
Final Thoughts
Whether you’re trying to stop impulse spending or just want a clearer picture of your money, the right app can make all the difference. The tools above are some of the best budgeting apps in Australia, each offering unique features to suit different needs.
Try one or two and see what fits your lifestyle. The most important thing is getting started — and staying consistent.
💡 Want more real-life Aussie money tips? Subscribe to FinancesWise and get helpful guides like this one delivered straight to your inbox!