Frollo is a free Australian personal finance app and a pioneer of the Consumer Data Right, offering budgets, goals, net worth and categorisation with no ads. Cleer Money is a paid app with one specific method: sorting spending into wants and needs. Choose Frollo if you want a free, broad Open Banking money manager. Choose Cleer Money if you want a simpler, behaviour-first approach without building budgets.
Side by side
| Feature | Cleer Money | Frollo |
|---|---|---|
| Approach | Wants vs needs awareness | Broad PFM, budgets, goals, net worth |
| Price | $6.99/mo or $69.99/yr AUD | Free |
| Monetisation | Subscription | Free consumer app, business funded via broker and enterprise products |
| Open Banking | CDR via Fiskil | CDR native, Accredited Data Recipient |
| Budgets and goals | No budgets by design | Yes |
| Categorisation | Wants vs needs, learns preferences | Automatic categories |
| Platform | iOS | iOS and Android |
| Region | Australia | Australia |
Competitor details last checked: 7 July 2026. Frollo's features can change, so re-check before you rely on this.
Where Frollo is stronger
It is free, is a genuine CDR pioneer with broad Australian bank coverage, has no ads and offers a fuller feature set including budgets, goals and net worth tracking. If you want a complete money manager at no cost, Frollo does more than Cleer Money.
Where Cleer Money is different
It deliberately drops budgets and net worth dashboards in favour of one behavioural question, want or need, which keeps it simple for people who find full personal finance apps overwhelming. The thinking behind that is set out in the money awareness method.
The short version
- Choose Frollo if you want a free, comprehensive Open Banking money manager.
- Choose Cleer Money if you want a focused, budget-free awareness tool.
Next: compare with PocketSmith, read the FAQ, or browse all budgeting alternatives in Australia.