One side of the table
PFO doesn't sell products, take commissions, or run ads. We earn one way — a subscription — so the only interest the app serves is yours. It gives general information, never personal financial advice.
Private by construction
The AI coach never learns who you are. Your identity is stripped and merchant, account and holding names become anonymous tokens before anything reaches the model — which runs on enterprise Vertex AI, onshore in Australia, and is never used to train models. See the privacy policy.
Genuinely built for Australia
ATO tax and HECS, franking credits, super caps and state stamp duty — the details overseas apps get wrong. The free calculators run on the same engine as the app, using published ATO and state-revenue figures.
One honest number
Bank, super, shares and property in a net worth that updates itself — so instead of three disconnected apps, the whole picture lives in one place and the coach can actually reason about it.
The free calculators are live now. The full app is launching soon — join the early-access list for founding pricing.