Personal plans

Finance Frank has three personal plans. All paid plans include one free collaborator seat (invite a partner or any professional you work with). Additional seats are $5/month each.

Free — $0

The clarity layer. Everything you need to track your money:

• Net worth tracking — assets, liabilities, super
• Income, budgets, transactions, dividends
• Frank conversational AI (read-only)
• WFH hours + work-km deduction tracker
• Stamp duty calculator (state-aware)
• Multi-job tax-free threshold check
• Australia-wide coverage (NSW · VIC · QLD · WA · SA · TAS · ACT · NT)

Standard — $12/month or $120/year

Everything in Free, plus Frank acting on your behalf and the advanced AU tax surfaces most households need.

• Frank proposes write actions you approve (budgets, goals, transactions)
• Voice + document understanding (paperclip a statement, dictate questions)
• Capital loss tracking + auto-record on disposal
• Property: Div 40 + Div 43 depreciation, land tax, PPOR 6-year absence rule
• Insurance adequacy + estate planning checklist
• Scenarios, what-ifs, modelling
• Retirement calcs: Age Pension, drawdown projection, bucket strategy
• If you have an ABN: GST chip on transactions, BAS quarters auto-derived

Pro — $25/month or $250/year

Everything in Standard, plus the structurally complex bits.

• SMSF compliance + defined benefit + pension-phase super
• Family / discretionary trust distributions
• Bucket company integration (income parking at corporate rate)
• Division 7A — loans from your private company
• ETF AMIT distribution breakdown
• Foreign income + FITO calculator
• Tax residency tracking + non-resident bracket handling

Annual savings

Pay annually and save ~17% (about two months free).

| Plan | Monthly | Annual | You save | |------|---------|--------|----------| | Standard | $12/month | $120/year | $24/year | | Pro | $25/month | $250/year | $50/year |

Practice tiers

For accountants, planners, brokers and advisers running a practice. Each tier includes the practice surface (BAS workflow, engagement letters, white-label, branded portal) plus N client licenses — every client you invite gets their own personal Finance Frank account.

| Tier | Cap | Monthly | Annual | |------|-----|---------|--------| | Starter | 50 clients | $200 | $2,000 | | SMB | 200 clients | $500 | $5,000 | | Growth | 750 clients | $1,000 | $10,000 | | Enterprise | Unlimited | Custom | Custom (annual contract) |

Staff at your practice get free practice-only accounts. If a staff member also wants their own personal Finance Frank, you toggle "Personal Frank: On" next to their name in Settings → Members — that uses one client license slot.

All practice prices in AUD. Frank is currently under the AU GST registration threshold and does not charge GST. Tier upgrades prorate automatically; change tier any time from Settings → Billing.

Choosing a personal plan

Free if you want to track your money, set goals, and ask Frank questions — most Australians get genuine value here.

Standard if you have an investment property, are a sole trader, or want Frank to take action (not just observe).

Pro if you have an SMSF, family trust, foreign income, or other structural complexity.

Changing your plan

You can upgrade, downgrade or cancel any time from Settings → Billing. See Changing Your Plan for details.