Both connect to Australian banks via CDR. Here's what separates them.
Frollo is a solid free budgeting app for Australians who just want bank sync and basic categories. Budgi goes further — AI coaching, net worth tracking, super optimisation, debt strategies and sinking funds make it the better choice for anyone serious about building wealth.
Frollo is strong on basics — CDR bank sync, smart categories, spending insights. But it stops at tracking. No AI coach, no net worth dashboard, no super tracking, no debt strategies. It answers “where did my money go?” but not “what should I do with it now?” For users who want a simple view of their spending, Frollo works well. For anyone trying to improve their financial position, the gap becomes obvious quickly.
Budgi covers everything Frollo does plus a full AI financial planner, net worth with super and debts, salary sacrifice modelling, avalanche/snowball debt strategies, sinking funds for irregular expenses, and a structured weekly check-in habit. It's for people who want to grow wealth, not just track spending. The AI coach gives personalised, Australian-specific guidance — super, tax, property — based on your real numbers, not generic tips.
Frollo is fully free — but shows promoted financial products. Budgi's paid plans unlock AI coaching with no product referrals.
Yes, Frollo is completely free. It earns revenue through financial product referrals shown within the app.
No. Frollo focuses on transaction tracking and basic budgets. No AI coach, wealth planning or super features.
Yes. Connect your banks in Budgi via CDR and your transaction history starts syncing immediately. No export/import needed.
Both are easy to start. Frollo is slightly simpler. Budgi is better if you want to progress beyond basic tracking.
Try Budgi free for 14 days. No credit card required.
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