
Income Investing for Beginners: Dividends and Franking Credits Explained
How income investing works in Australia: what dividends are, how franking credits boost your return, what yield really means, and how much you need to live off your portfolio
Import your bank statements, categorise transactions with powerful rules, and see your complete financial picture.
All your accounts, transactions, and financial data in one beautiful dashboard.
Track cash, savings, credit cards, assets, loans, and investments. Support for multiple currencies with automatic conversion.

Spend less time managing your money and more time enjoying it.
Import transactions from any bank.
Upload CSV exports or bank statements from any institution. Duplicate detection ensures you never double-count transactions.

Automate your transaction organisation.
Create rules that automatically categorise transactions based on merchant, amount, or description. Set rule priorities for complete control.

Track your regular income and expenses.
Set up recurring transactions for salaries, subscriptions, and regular bills. See upcoming transactions and never be surprised by a payment again.

Import transactions from any bank.
Upload CSV exports or bank statements from any institution. Duplicate detection ensures you never double-count transactions.
Automate your transaction organisation.
Create rules that automatically categorise transactions based on merchant, amount, or description. Set rule priorities for complete control.
Track your regular income and expenses.
Set up recurring transactions for salaries, subscriptions, and regular bills. See upcoming transactions and never be surprised by a payment again.

Start tracking your finances in minutes. Import your first statement and see where your money goes.
Import your first accountBuilt for real-world tracking
Every feature designed to make managing your finances easier, from multi-currency support to intelligent duplicate detection.
Tips and insights to help you manage your finances better.

How income investing works in Australia: what dividends are, how franking credits boost your return, what yield really means, and how much you need to live off your portfolio

The native iPhone app is here. Here is what it does, how it fits with the web app, and how to get it

A practical walkthrough of Financio's Goals: spending limits, savings targets and debt payoff that measure your real transactions, not your good intentions