The Budgeting App built for Australia
Fortnightly budgets, Australian bank sync, works offline, free to start.
The right features for how you live
Fortnightly budgets, built in
Most budgeting apps are built around monthly pay cycles. YNAB tells Australian users to budget monthly and assign income as it arrives. The Budgeting App supports fortnightly periods natively. Set your pay date and the app resets accordingly.
Free forever, no card required
The free plan includes fortnightly budgets, offline mode, and sync across all your devices. No trial period. No credit card. Upgrade to Pro Sync when you want Australian bank sync.
Connect your bank via Open Banking
Pro Sync links your Australian bank accounts via Open Banking, powered by Fiskil. Transactions sync automatically into a review flow where you categorise each one. Your bank credentials are never stored in the app. Access is read-only.
Works without internet
Log transactions, view your budgets, and review your categories without a connection. You only need internet to pull new transactions from your bank or sync across devices. You can keep budgeting on the move, with no signal required.
The Budgeting App vs YNAB vs PocketSmith
| Feature | The Budgeting App | YNAB | PocketSmith |
|---|---|---|---|
| Free tier | Yes | No (34-day trial only) | Yes, manual only |
| Fortnightly budgets | Yes, on free plan | No | Yes |
| Works offline | Yes | Partial | No |
| AU bank sync | Yes | No, third-party tools needed | Yes |
| Annual price (AU bank sync) | A$109.99 | ~A$165 | A$119.95 |
YNAB and PocketSmith pricing and features are based on each provider's official pricing and help pages, last verified 1 June 2026. YNAB is billed in USD, so the actual AUD charge depends on the exchange rate; the PocketSmith figure is the Foundation plan. Competitor prices and features change over time. YNAB and PocketSmith are trademarks of their respective owners; The Budgeting App is independent and not affiliated with or endorsed by them.
Frequently asked questions
Yes. Fortnightly budget periods are supported natively, not as a workaround. Set your pay date and the app resets your budget accordingly. Weekly and monthly periods are also supported. Fortnightly is included on the free plan.
Australian users on the Pro Sync plan can connect their bank accounts via Open Banking, powered by Fiskil. Transactions sync automatically and appear in a review flow where you categorise each one. Bank credentials are never stored in the app. Access is read-only.
Your bank credentials are never stored in The Budgeting App. In Australia, bank connections use Open Banking, powered by Fiskil, with read-only access, which means the app can see your transactions but can't move money or make changes to your accounts. Your budgeting data is stored in the cloud so it stays in sync across your devices, with a local copy on each device so the app works offline too.
Yes. The free plan is permanent, with no trial period and no credit card required. It includes manual entry, offline mode, sync across your devices, and weekly, fortnightly, and monthly budgets. Pro Sync, which adds Australian bank sync via Open Banking, is A$11.99 per month or A$109.99 per year. See all plans.
No. Manual transaction entry works independently of bank sync and is available on the free plan. You can log every transaction by hand, use bank sync, or use both together. Bank sync is an optional add-on on Pro Sync.
No. Device sync is part of the free plan and works across your phone, tablet, and other devices automatically. Pro Sync is a separate, optional plan, just for connecting your Australian bank.
Yes, and it's free. Sign into the same account on both phones and your budget syncs automatically, so you both see the same transactions, categories, and balances in real time. Device sync is part of the free plan, not Pro Sync, which is the separate paid plan for connecting your Australian bank.
Yes. Both work in the same book. Manually log cash transactions while your card transactions sync from your bank. Everything comes together in the same budget.
Yes. The Budgeting App works fully offline. You can log transactions, view your budgets, and manage your categories without a connection. Synced bank data is stored on your device, so you can also review previously synced transactions offline. You only need internet to pull new bank transactions or sync across devices.
Start budgeting for free today
Available on iOS and Android. No sign-up required.
