One app instead of three or four
Most people stack a budgeting app, a portfolio tracker and a tax tool. None of them talk to each other. PFO brings budgeting, your whole net worth, tax and an AI coach into one Australian app — here's how it stacks up.
| Feature | PFO | Budgeting app | Portfolio tracker | Tax tool |
|---|---|---|---|---|
| Budgets & bank feeds | ✓ | ✓ | — | — |
| Full net worth — super, property, shares | ✓ | Partial | Partial | — |
| Tax-deduction finding + accountant-ready Tax Pack | ✓ | — | — | ✓ |
| AI coach that answers from your real numbers | ✓ | — | — | — |
| Built for Australia (ATO, HECS, franking, state duty) | ✓ | Partial | Partial | ✓ |
| Private — the AI never learns who you are | ✓ | n/a | n/a | n/a |
| No ads, no product commissions | ✓ | Partial | Partial | ✓ |
| One login for all of it | ✓ | — | — | — |
| Typical cost | Free ledger · Coach $12.99 · Tax $19.99/mo | ~$10/mo | ~$29/mo | ~$15/mo |
"Budgeting app", "portfolio tracker" and "tax tool" describe the typical category, not any one product; features and prices vary. To match PFO you'd usually run all three — about $54/mo — and still switch between them.
On PFO, the free ledger covers budgeting & net worth. The AI coach is on PFO+ Coach ($12.99/mo); tax-deduction finding & the accountant-ready Tax Pack are on PFO+ Tax ($19.99/mo).
Why all-in-one matters
The picture only makes sense together
Your budget, super, shares and debts are one financial life. Split across apps, nothing can tell you what you can really afford — one app that sees it all can.
A coach needs the whole picture
PFO's AI answers from your actual accounts because they're all in one place. A tracker that only sees your shares can't tell you if a purchase fits your month.
Built for Australia
ATO tax, HECS, franking credits, super caps and state stamp duty — the details overseas apps get wrong and single-purpose tools skip.
One app for all of it. First access + founding pricing for the first 500.