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Dashboard & analytics
Net worth, assets, liabilities and liquidity at a glance, with income and expense analysis month by month.
Personal finance, organised
One clear view of your money — and where it is going.
Accounts, spending, budgets, goals and full financial statements in one place. Fmaps learns the payments that actually repeat in your life and turns them into a forecast of the months ahead.
✓ Multi-currency
✓ 4 languages
✓ PDF statements
✓ Works on your phone
Everything in one place
Built for the whole picture, not just the bank balance.
Fourteen connected tools that share your accounts, your currencies and your history.
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Multi-currency accounts
Accounts in Australian dollars or Chinese yuan, with everything converted into your preferred reporting currency across eight market rates.
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Spending that makes sense
Searchable transactions with categories, plus clear breakdowns of where the money actually went.
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Forecast
Fmaps finds the income and expenses that repeat, then projects your regular income, spending and saving.
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Subscriptions
Every recurring bill and membership in one list — weekly to yearly — with a review schedule so nothing renews unnoticed. Feeds the forecast and the fixed part of each budget.
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Budgets
Set a monthly limit per category and watch it fill up — on track, close to the limit, or over.
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Goals
Save towards a car, a deposit or a holiday, with the monthly amount you need to stay on track.
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Investments
Every investment account alongside your cash, converted to your reporting currency and ranked by balance.
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Financial statements
Balance sheet, cash flow and income statement on national fiscal calendars — downloadable as PDF.
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Utilities at a glance
Electricity, gas, water, internet, mobile, council rates, transport and fuel — tagged and totalled per month.
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Curated bookmarks
A hand-picked library of finance, market and technology references, ready when you need to research.
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Finance news feed
Property, markets and economy headlines for your nation — Australia, China, the US, the UK, Europe, Canada, New Zealand, Japan or Russia — with a section matched to your own accounts, budgets and goals.
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News video & podcasts
Watch market briefings and listen to finance podcasts without leaving the app — each one attributed to the publisher who made it.
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Exchange rates with trends
Eight currencies against the Aussie dollar, each with a one-month trend line, so you can see where the dollar is heading rather than just where it closed.
One clear picture
Your money, your history, and the months ahead. One clear picture, not another spreadsheet.
Markets & research
Follow the markets, not just your money.
Indices, commodities, policy rates, company research, portfolios, ETFs, futures and options — sourced, dated and in the same app.
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Market overview
Global indices, commodities, volatility, Treasury yields and futures, plus the day's leaders and laggards across five regions.
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Watchlist
Track the stocks and ETFs you care about, with cached quotes, daily changes and a one-click path to the company page.
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Company research
Price history, fundamentals, ratios, public filings and latest news for the companies on your list.
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Portfolios
Build portfolios from stocks and ETFs, track quantity, average cost, market value and unrealised P&L, and import positions in bulk.
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ETFs & comparison
Browse ETF profiles, then compare up to three side by side on expense ratio, AUM, category, benchmark and top holdings.
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Commodities & derivatives
Commodity prices with forward curves, plus listed futures and option snapshots in one place.
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Market calendar
A forward view of earnings, economic releases and market events, filtered to your watchlist or the wider market.
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Rates & inflation
Central-bank policy rates and inflation for the economies that matter, each linked to the official source.
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Billionaire tracker
The world's richest people, their net worth, country and industry, with the ranking date and source shown.
Inside Fmaps
The parts that do the thinking.
Three ideas that change how the numbers feel: a forecast from real patterns, budgets that track themselves, and statements you can hand to anyone.
Forecast
Know what the month will actually cost.
Fmaps recognises repeating payments by description and category — even when a payslip is labelled differently every time — and shows the regular income, regular spending and the saving in between.
- ✓ Weekly, fortnightly, monthly, quarterly and yearly rhythms
- ✓ Pick any timeframe; the whole page follows it
- ✓ Utilities and transport totalled separately
Budgets
Budgets that keep up with you.
Each category shows what is spent against its limit, the money left, and a clear status. Quarterly and yearly budgets are shown as their monthly share, so the picture is always fair.
- ✓ Monthly progress above your budget list
- ✓ Watch, over-budget and on-track states
- ✓ Spending without a budget surfaced for you
Statements
Statements that look like they came from an accountant.
Balance sheet, cash flow and income statement, built from your own accounts and transactions, following the fiscal year of your currency. Download a branded PDF whenever you need one.
- ✓ Fiscal year follows your primary currency
- ✓ Watermarked, branded PDF downloads
- ✓ Assets, liabilities and net position explained
8
Currencies supported
4
Languages
3
Financial statements
7
Currencies converted live
How it works
Set up in an afternoon. Useful from the first month.
Add your accounts
Bank, savings, credit and investment accounts, in Australian dollars or Chinese yuan.
Record your spending and income
A few transactions is enough — categories and dates are all Fmaps needs to start analysing.
Watch the picture form
Net worth, budgets, repeating payments and a forecast of the months ahead, all from the same data.
Your data
Your records, handled like records.
Fmaps holds the numbers you would not put in a spreadsheet attached to an email, so the handling is stated plainly.
No bank login, ever
Fmaps never asks for your internet-banking credentials. Everything it knows is what you type or import.
Encrypted in transit
Served over HTTPS, passwords stored salted and hashed, and sign-in is rate limited against guessing.
Yours to take
Download everything as JSON — and restore it later — or close the account at any time. No lock-in.
FAQ
The things people ask before signing up.
What is Fmaps?
Fmaps is an Australian personal-finance web app. It brings your accounts, spending, budgets, goals and financial statements into one place, and forecasts the months ahead from the payments that actually repeat.
How does the forecast work?
Fmaps looks for the payments that repeat in your history — rent, subscriptions, salary, loan repayments — and projects them forward, so the forecast reflects your actual commitments rather than an average.
Does Fmaps handle more than one currency?
Yes. You choose a primary and a secondary currency, and Fmaps converts between them using daily exchange rates.
Can I take my data with me?
Yes. You can download everything Fmaps holds about your account as a JSON file at any time, and restore it later.
Is Fmaps free to use?
Yes. You can create an account and use the dashboard, budgets, goals and forecast without a paid plan.
Do I need to connect my bank account?
No. Fmaps never asks for internet-banking credentials; you enter transactions manually or import your own data.
Is my financial data secure?
Fmaps is served over HTTPS, stores passwords salted and hashed, and has no access to your bank login.
Can I close my account?
Yes. You can archive your account from Settings, export your data as JSON, and request reactivation later.
Does Fmaps provide financial advice?
No. Fmaps is a record-keeping and planning tool, not financial, investment or tax advice. Consider a licensed adviser for personal advice.
Your money, finally in one place.
Create an account and add your first bank account in under two minutes. No spreadsheets, no manual maths, no surprises at the end of the month.