Frollo is free, but limited. We do more.
Frollo is a respected Australian budgeting app and one of the first CDR-accredited ADRs. Free is great — until you hit the limits. No forecasting, no ATO tax tools, no GST tracking, no investments. PocketSpend has a free plan too, plus a A$9.99/mo Premium that unlocks the features Frollo simply doesn’t build.
PocketSpend
A$0 free / A$9.99/mo Premium
More for your money
cheaper, every month
Frollo
Free
Why people are leaving Frollo
- 1.Frollo has no cash-flow forecasting. You can see what you spent but not what your balance will be on June 30.
- 2.Frollo has no ATO category templates. Work-related expense tracking requires manual setup and CSV gymnastics.
- 3.Frollo has no GST tracking, no quarterly BAS export, no Xero/MYOB push for ABN holders.
- 4.Frollo positions itself as a B2B platform now — they sell Open Banking infrastructure to enterprises. Consumer features ship slowly.
Feature-by-feature: PocketSpend vs Frollo
| Feature | PocketSpend | Frollo |
|---|---|---|
| Free plan | ✓ | ✓ |
| CDR Open Banking | ✓ | ✓ |
| Cash flow forecasting | 365 days | ✗ |
| ATO category templates | ✓ | ✗ |
| GST / BAS export | Business tier | ✗ |
| Investments view | ✓ | Limited |
| Super contribution tracker | ✓ | ✗ |
| Mobile app polish | Modern | Functional |
| Roadmap velocity | Monthly releases | Quarterly |
What PocketSpend does that Frollo can't
Real cash flow forecasting
See your balance projected 30/60/90/365 days out. Plan around the next BAS payment, big purchase or holiday. Frollo doesn’t forecast.
ATO tax tooling included
D1 car, D2 travel, D3 clothing, D4 self-education, D5 other work expenses — pre-built categories you can tag transactions into. Export EOFY summary for your tax agent.
GST + BAS for sole traders
Track GST collected vs paid. Quarterly BAS reminders. One-tap export to Xero, MYOB or Hnry. Frollo treats sole traders the same as PAYG employees.
Sydney-hosted, AU-first
Your data lives in AWS ap-southeast-2 Sydney. CDR Privacy Safeguards. Built for Australia, not retrofitted from a US codebase.
The verdict
Frollo deserves credit for being one of the earliest CDR adopters in Australia. But Frollo is now focused on B2B infrastructure and consumer features lag. PocketSpend matches Frollo’s free plan, then offers forecasting, ATO tax tools, GST tracking and investments at A$9.99/mo. If you’ve outgrown Frollo, this is where you go.
Common questions
Is Frollo shutting down?▼
No — Frollo is healthy and profitable, but they’ve pivoted toward selling Open Banking infrastructure to banks and lenders. The consumer app remains free but is no longer the primary product.
Can I keep Frollo and use PocketSpend?▼
Yes — many users do for the first month. Run both side by side, compare which actually helps you make better decisions.
Does PocketSpend support the same banks as Frollo?▼
Yes — we use the same CDR rails plus Basiq for broader coverage. All four majors plus Macquarie, ING, Bendigo, UBank, Up, 86 400 and 70+ more.
Why charge if Frollo is free?▼
Frollo subsidises the consumer app from their B2B revenue. We charge directly so we can keep shipping consumer features every month. Honest, sustainable.
Try PocketSpend free
Free plan forever. No credit card. Cancel anytime.