Finances vs Frollo

Updated 14 September 2026 · Frollo prices as advertised in September 2026

Frollo is a free Australian mobile app using open banking (CDR) to track spending, bills and goals. Finances is a paid Mac app that also uses the Consumer Data Right, but keeps every transaction encrypted on your own computer.

Download Finances free 30-day trial. macOS. No sign-up.

Finances vs Frollo at a glance

Feature	Finances	Frollo
Platform	✓ Native macOS desktop app	✓ iOS, Android
Where your data lives	✓ On your Mac, in an encrypted SQLite database	✗ Frollo's cloud
Price	✓ One-time 1.x licence, or a monthly subscription	✓ Free
Free trial	✓ 30 days, no sign-up	✓ Free
Bank sync	✓ Australian banks via Redbark (CDR), Up Bank direct, US banks via Plaid, AMEX	✓ Australia via CDR
File import	✓ CSV, OFX/QFX and JSON with auto-detected columns	✗ No
Views and charts	✓ List, bar, pie, Sankey, calendar, map, subscriptions	~ Spending, bills, goals
Subscription detection	✓ Automatic recurring-charge detection	✓ Bill detection
Auto-categorisation	✓ Bundled merchant database, optional cloud categorisation	✓ Automatic
Custom rules	✓ Match on text, amount, date or merchant	✗ No
Encryption	✓ AES-256 at rest, Touch ID unlock, idle lock	~ Encrypted on their servers
Works offline	✓ Fully offline (sync and cloud categorisation are opt-in)	✗ Needs an internet connection
Multi-currency	✓ Original amount and currency preserved	✗ AUD
Receipts and attachments	✓ Attach receipts and files to transactions	✗ No
Budgeting	✗ Not yet	✓ Budgets and goals
Investments and net worth	✗ No	~ Balances
Mobile app	✗ No	✓ iOS and Android
Shared / household access	✗ Single user	✗ Single login
Data export	✓ CSV export; the database is a standard SQLite file	~ Limited
AI	✓ Open SQLite file your AI assistant can query	✗ No

✓ Yes ~ Partly or with caveats ✗ No

Where Frollo wins

Free.
Mobile-first with budgets and goals.

Where Finances wins

Your data stays on your Mac in an encrypted database.
Import years of CSV or OFX history from any bank.
Custom rules, Sankey, calendar and map views, merchant management.
A desktop experience with instant search.

Which should you choose?

Choose Frollo if you want a free phone app for budgets and bills.

Choose Finances if you want depth, privacy and a desktop tool.

How Finances works

Finances is a native macOS app. Import CSV, OFX or JSON statements from any bank, or sync Australian accounts through Redbark (Consumer Data Right) and Up Bank directly. Transactions are categorised by a bundled merchant database and your own rules, then explored as a list, bar and pie charts, a Sankey diagram, a calendar, a map, or a subscriptions view. Everything is stored in an encrypted SQLite database on your computer, unlocked with Touch ID.

Frequently asked questions

Do Frollo and Finances both use open banking?

Yes. Both connect to Australian banks through the Consumer Data Right. Finances routes through Redbark and stores the data locally.

Try Finances free for 30 days

No account, no card. Your data stays on your Mac.

Download for macOS

Other comparisons

Frollo is a trademark of its respective owner and is not affiliated with The Finances App. Competitor details are based on public information as of September 2026 and may change; check the vendor's site for current pricing. Spotted a mistake? Let us know.