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.
Manual, automatic, or both
Manually logging keeps you engaged with your spending. Bank sync saves time. The Budgeting App supports both in the same book. Log cash by hand, sync your bank transactions via Open Banking, and everything comes together in the same budget.
Works without signal
Log transactions, view your budgets, and review previously synced bank data without internet. You only need a connection to pull new transactions from your bank. Most bank sync apps don't work this way.
Free to start, 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.
TBA vs YNAB vs PocketSmith
| Feature | The Budgeting App | YNAB | PocketSmith |
|---|---|---|---|
| Free tier | Yes | No | Yes, manual only |
| Fortnightly budgets | Yes, on free plan | No | Yes |
| AU bank sync | Yes | No, third-party tools needed | Yes |
| Works offline | Yes | Not confirmed | No |
| Annual price (AU bank sync) | A$119.99 | ~A$165 | A$119.95 |
YNAB price is approximate, billed in USD, actual AUD charge depends on FX rate. PocketSmith Foundation plan. Prices as of 2026.
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.
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.
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.
The free plan costs nothing and includes fortnightly budgets, offline mode, and device sync. Pro Sync, which adds Australian bank sync, is A$12.99 per month or A$119.99 per year. See all plans.
Start budgeting for free today
Available on iOS and Android. No sign-up required.
