Money Tree
Money Tree vs Frollo
Frollo is completely free, with no paid tier or ads, and links accounts through Open Banking. Money Tree is a Plus subscription after a 7-day trial, and adds Safe to Spend and streaks.
Last reviewed
At a glance
| Feature | Money Tree | Frollo |
|---|---|---|
| Price | A 7-day trial, then Plus as a monthly or yearly subscription; the store shows the price in your currency. | Free. No subscriptions, in-app purchases, premium fees or ads. |
| Plans and trial | No. Every account starts with a 7-day trial of everything, then Plus is a subscription. | Everything is free, including budgets, bill tracking, goals, spending insights and net worth. |
| Bank connections | Automatic, read-only sync through secure bank data providers. Connect as many banks as you like. | Through Australia's Consumer Data Right (Open Banking), without sharing banking passwords. |
| Platforms | iPhone, Mac and Android, from the App Store and Google Play. | iOS and Android. |
| Budgeting style | Safe to Spend for today, category budgets with suggested limits, savings goals and a pay-period planner. | Category budgets with savings goals and automatic categorisation. |
| Where it works | Wherever its bank data providers cover your bank. The app shows the regions it supports when you connect. | Australia. |
Where Frollo is stronger
- Every feature is free, with no ads.
- Net worth across banks, super, loans and investments.
- Financial Passport, a shareable summary for a mortgage broker.
- Regulated Open Banking connections.
- Connecting all your accounts costs nothing.
Where Money Tree is different
- Safe to Spend gives you one number for what you can spend today.
- Daily streaks, XP, coins and private leaderboards with friends make checking in a habit.
- A pay-period planner that sets your income against budgets and upcoming bills.
- Home-screen widgets for Safe to Spend and budgets.
Which should you choose?
Choose Frollo if you want a budgeting app that is entirely free, or a summary to share with a mortgage broker.
Choose Money Tree if you want a daily Safe to Spend number, a 30-day cash-flow forecast on Plus, and streaks and rewards that keep you checking in.
Looking for a Frollo alternative? See what switching involves.
Questions
How does Money Tree's price compare with Frollo?
Money Tree has a 7-day trial of everything, with nothing held back. Frollo: Everything is free, including budgets, bill tracking, goals, spending insights and net worth.
Does Frollo connect to my bank?
Through Australia's Consumer Data Right (Open Banking), without sharing banking passwords. Money Tree: Automatic, read-only sync through secure bank data providers. Connect as many banks as you like.
Which apps can I use Frollo on?
iOS and Android. Money Tree: iPhone, Mac and Android, from the App Store and Google Play.
Sources
Checked on 6 October 2026. Prices and features change; check each provider before you decide.
- https://frollo.com.au/frollo-app/ (free, no ads, features, Open Banking, iOS and Android, Australia, Financial Passport)
- https://frollo.com.au/ (Consumer Data Right, Australia)
- https://apps.apple.com/app/id6794328903 (Money Tree features, Plus and the 7-day trial)
Frollo is a trademark of its owner. Money Tree is not affiliated with or endorsed by Frollo. This page compares publicly available information and is not financial advice.