Compare · Last reviewed October 2026
Compare Billroo with other budgeting apps in Australia (2026)
Billroo is one of several budgeting apps available to Australians. This page compares it honestly with YNAB, Frollo, PocketSmith and WeMoney, and covers what to do now that Pocketbook has closed, so you can pick the right one for how you manage money.
Quick comparison
Billroo and four alternatives compared as of October 2026.
| Feature | Billroo | YNAB | Frollo | PocketSmith | WeMoney |
|---|---|---|---|---|---|
| Country | Australia and the US | US-centred, sold globally | Australia | Global | Australia |
| Price (per year) | $98.99 Pro; $149.99 Plus | US$109 (billed in US dollars) | A$0 | A$119.88 Foundation, billed annually; free tier | Free; Pro A$98.99 |
| Free plan | No (14-day trial) | No (34-day trial on its site) | Yes | Yes, manual file imports only | Yes |
| AU bank feeds via CDR | Yes, via Fiskil | No, file import only | Yes | Yes, via Basiq | Yes, plus a login-based option |
| Auto-categorisation | Yes, learns from corrections | Partial, automatic or manual | Yes | Yes, you create rules so it learns | Yes; Pro adds unlimited custom categories |
| Net worth | Yes | Yes | Yes | Yes | Yes |
| Subscriptions tracking | Yes | Partial, scheduled transactions | Yes, recurring payments and bill alerts | Partial, calendar bills you set up | Yes |
| AI assistant | Yes, Billroo AI | No built-in assistant | No | No built-in; connects to ChatGPT and Claude | No |
| Tax features | Yes, Tax report | No | No | No | No |
| Partner sharing | Yes, two users on Plus | Yes, up to six people | No | Yes, invite an advisor or family member | No |
Detailed comparisons
Billroo vs YNAB
Billroo and YNAB compared for Australians: YNAB is a hands-on, zero-based system priced in US dollars with file import only for Australian banks. Billroo is an Australian app with automatic Open Banking feeds and AUD pricing. Prices, trial, partner access and switching steps are covered.
Read the full comparison: Billroo vs YNAB →Billroo vs PocketSmith
Billroo and PocketSmith compared for Australians: PocketSmith is known for long-range forecasting, a customisable dashboard and a free manual tier. Billroo is an Australian app with automatic categorisation, a lower price and a simple dashboard. Costs, bank feeds and switching steps are covered.
Read the full comparison: Billroo vs PocketSmith →Billroo vs WeMoney
Billroo and WeMoney compared for Australians: WeMoney has a free tier with credit score updates, debt tools and a community, plus a paid Pro plan. Billroo is a budgeting-first paid app with Open Banking feeds, subcategories and split transactions. Pricing, bank connections and switching steps are covered.
Read the full comparison: Billroo vs WeMoney →Billroo vs Frollo
Billroo and Frollo compared for Australians: Frollo is a free Open Banking app for iOS and Android with budgets, goals, bills and net worth. Billroo is a paid budgeting app with web access, partner access, split transactions and an AI assistant. Pricing, bank feeds and switching steps are covered.
Read the full comparison: Billroo vs Frollo →Pocketbook has closed — what now?
Pocketbook, the Australian budgeting app owned by Zip Co, closed its app and web service on 5 August 2022. No single app replaced it, so the right choice depends on what you used it for. If you want a free app, look at Frollo or WeMoney; if you want a paid app with detailed budgeting, Billroo is built for that.
Which should you choose?
- If you want a zero-based budgeting method, pick YNAB.It is built around giving every dollar a job, but it has no direct feed for Australian banks.
- If you want a free app, pick Frollo.It costs nothing and uses Open Banking, though it is iOS and Android only. WeMoney also has a free tier, with ads.
- If you want forecasting, pick PocketSmith.It projects your cash flow up to 60 years ahead on its top plan, which Billroo does not.
- If you want your credit score next to your spending, pick WeMoney.It includes credit score updates and debt tools on its free tier.
- If you want Australian Open Banking feeds with AI categorisation that learns from your corrections, pick Billroo.Frollo and PocketSmith also use Open Banking, but Billroo adds Billroo AI, a Tax report and partner access on Billroo Plus.
FAQ
What is the best budgeting app in Australia?
The best budgeting app in Australia depends on what you need, and no single app wins every category. YNAB suits zero-based budgeters, Frollo suits anyone wanting a free app, PocketSmith suits people who want forecasting, WeMoney suits people who want a credit score alongside spending, and Billroo suits people who want automatic Open Banking feeds, AI categorisation and a shared budget.
Which budgeting apps use Open Banking in Australia?
Billroo, Frollo, PocketSmith and WeMoney all connect to Australian banks through Open Banking (the Consumer Data Right), as of October 2026. Billroo uses Fiskil, PocketSmith uses Basiq, and WeMoney also offers a login-based connection. YNAB does not have a direct feed for Australian banks and uses file import.
Is there a free Australian budgeting app?
Yes, Frollo is a free Australian budgeting app with no subscription, as of October 2026. WeMoney has a free tier that shows ads, and PocketSmith has a free tier limited to manual file imports. Billroo has a 14-day free trial but no free plan.
What replaced Pocketbook?
No single app replaced Pocketbook, which closed on 5 August 2022. Australians moved to a mix of apps, including Frollo, WeMoney, PocketSmith, YNAB and Billroo, depending on whether they wanted free, forecasting, zero-based or detailed budgeting.
Is Billroo Australian-owned?
Yes, Billroo is Australian-owned. It is operated by Billroo Operations Pty Ltd in Sydney and was founded by Queenie Tan and Pablo Bizzini.
Try Billroo free for 14 days
Billroo is $9.99/month or $98.99/year, with a 14-day free trial.
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