I built a privacy-first personal finance app for Aussies — no bank login, free demo, no signup. Looking for a few people to break it.
I got sick of finance apps that (a) want to connect to your bank, and (b) are built for the US and have no idea what a franking credit or EOFY is. So I built my own for the Australian setup, and it's now at the point where I'd love some real people to poke holes in it.
What it does:
- Budgeting (50/30/20 + adaptive suggestions), cash-flow forecasting with "what if I lose income / buy a car in August" scenarios
- Subscription tracker that flags price rises and forgotten subs
- Investments with franking credits + CGT (the AU 50% discount), and an EOFY tax pack you can hand to your accountant (PDF/CSV)
- Goals + savings round-ups, spending anomaly alerts, a household view (joint goals + bill splitting)
- An AI assistant you can ask about your own money
On the trust stuff (it's finance, fair question):
- No bank connection — it's manual / CSV import, so you're never handing over logins
- Try the full demo with zero signup 👉 https://ash-finance-app.fly.dev/dashboard
- Privacy-first: encryption at rest, 2FA, no third-party trackers
It's free, I'm not selling anything — I just want 5–10 people to use it for real and tell me what's confusing, broken, or missing. Brutal feedback genuinely welcome.
Thanks
Ash