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PennyRa
Home Currency:AUD

Best Free Personal Finance App for Australia

PennyRa works with every major Australian bank. Download your statement CSV from Commonwealth Bank, ANZ, NAB, or Westpac and upload it to PennyRa to see your spending broken down by category. Set budget goals in Australian Dollars, track your savings, and get a clear picture of where your money goes each month — completely free for up to 100 transactions per month.

Start Free — No Credit Card

Free plan available · No bank login required

1

No Bank Login Required

PennyRa never asks for your bank credentials. Download your CSV statement and upload it — your login stays yours.

2

Works With Any Bank

Every bank in the world lets you export transactions as a CSV file. PennyRa auto-maps the columns and categorizes everything.

3

Free to Start

Up to 100 transactions per month and 3 accounts — completely free. No credit card, no trial that auto-charges.

Key Features

  • Supports AUD as home currency
  • CSV import — no bank login required
  • Automatic transaction categorization
  • Budget goals and savings tracking
  • AI-powered spending analysis (Pro)
  • 14-day free trial on paid plans

Try PennyRa Free for 14 Days

pennyra.com

Start Free — No Credit Card