Everything you need to manage your money

One platform to track, analyse, and optimise your complete financial picture — from daily spending to long-term wealth building.

Frank AI

Your personal financial advisor, available 24/7. Ask questions in plain English and get answers based on your actual financial data.

  • Personalised advice based on your income, assets, debts, and goals
  • Spending analysis — find where your money is going and how to optimise
  • Create and update financial items through natural conversation
  • Tax-aware recommendations aligned with Australian tax law

Dashboard

See your complete financial picture at a glance. Track everything from savings accounts to investment properties.

  • Net worth tracking with trend charts and trajectory projections
  • Financial health score with credit score tracking over time
  • Alerts and smart insights powered by AI analysis
  • Peer comparison and personalised recommendations

Wealth

Track assets, liabilities, and net worth across all your entities. From property to crypto, everything in one place.

  • Asset tracking with live ASX and crypto prices via yfinance and CoinGecko
  • Domain property estimates — auto-value your home with suburb median and growth data
  • Liability management with interest rates, offset accounts, and repayment tracking
  • Net worth snapshots with historical charts showing your wealth trajectory

Money

Income, budgets, transactions, subscriptions, and dividends — everything about your cash flow in one place.

  • Open banking — connect your Australian bank accounts (coming soon)
  • Smart CSV import with custom column mapping and AI-powered receipt OCR
  • Budget tracking with committed, discretionary, and planned categories
  • Dividend tracking with franking credit calculations and FY summaries

Goals

Set financial goals and track your progress. Know exactly how far you are from each milestone.

  • Goal tracking with progress bars, target dates, and milestones
  • Budget category linking — connect spending to your goals
  • Weekly email digest — net worth, budget status, and goal progress every Monday
  • Visual progress across emergency fund, house deposit, holiday, and more

Plan

Run scenarios and use calculators to model big financial decisions before you make them.

  • “Buy a property” scenario — stamp duty, LMI, repayment, and total interest breakdown
  • Debt repayment strategies — avalanche vs snowball comparison
  • Rate impact modelling for interest rate changes on your mortgage
  • Refinance comparison calculator with break-even analysis

Tax

Australian tax calculations built in, not bolted on. Know your tax position before EOFY, not after.

  • 2025-26 tax bracket calculator with Medicare levy and HECS-HELP
  • CGT dashboard with realised and unrealised gains, 50% discount, and residence exemption
  • Tax checklist for EOFY compliance workflow across all entities
  • Division 7A compliance, trust distributions, and depreciation schedules

Super & Insurance

Superannuation strategy and insurance management for complex financial structures.

  • Super contribution optimiser — concessional and non-concessional caps with salary sacrifice savings
  • SMSF compliance checklist and audit preparation tools
  • Track life, TPD, income protection, home, car, and health insurance policies
  • Coverage gap analysis to identify where you may be under-insured

Learn

Build your financial literacy with curated content on tax, investing, super, and more.

  • Beginner-friendly topics explained in plain English
  • Australian-specific content covering tax, super, and property
  • Risk profile questionnaire to understand your investment style
  • Regularly updated with new financial literacy topics

Settings & Collaboration

Manage multiple financial structures and share access with the right people.

  • Support for individual, company, trust, SMSF, and partnership entities
  • Entity flow tracking with inter-entity distributions, dividends, and loans
  • Co-owner and collaborator roles with granular permission controls
  • Dependents management with education cost projections

Ready to take control?

Join Australians who are using Frank to build wealth and make smarter financial decisions.

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