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Built for Australians

Your finances,
finally
clear.

Comma reads your bank exports, makes sense of your money, and helps you build wealth — without your financial data ever leaving your device.

▶ Try demo free See pricing →

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No subscription

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Zero data sent to us

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All major Aussie banks

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30-day guarantee

Net Worth

$342k

Surplus

$1,240

Savings Rate

18.4%

Cash Flow — last 8 months

🏠 Mortgage−$2,019

🛒 Variable−$1,381

📈 Shares+$500

Surplus+$1,240

Commonwealth Bank · ✓ Auto-detected NAB · ✓ Auto-detected ANZ · ✓ Auto-detected Westpac · ✓ Auto-detected Up Bank · ✓ Auto-detected St George · ✓ Auto-detected BOQ · ✓ Auto-detected BankWest · ✓ Auto-detected Macquarie · ✓ Auto-detected CommSec · ✓ Auto-detected Any other bank? Manual column mapping 🗂️ Commonwealth Bank · ✓ Auto-detected NAB · ✓ Auto-detected ANZ · ✓ Auto-detected Westpac · ✓ Auto-detected Up Bank · ✓ Auto-detected St George · ✓ Auto-detected BOQ · ✓ Auto-detected BankWest · ✓ Auto-detected Macquarie · ✓ Auto-detected CommSec · ✓ Auto-detected Any other bank? Manual column mapping 🗂️

Privacy First

We store your data.
We cannot read it.
Ever.

Every finance app wants to connect to your bank via open banking. Comma is different — your data is encrypted using your password with PBKDF2-SHA256 key derivation before it ever touches our servers. We store a locked box. Only you have the key. We cannot recover your data if you forget your password. This is a feature, not a bug.

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Client-side encryption

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No bank credentials

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APA compliant by design

How your data flows

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Your bank export (CSV)

Downloaded directly from your bank — never sent to our servers

↓ parsed locally in your browser

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Key derived from your password

PBKDF2-SHA256, 600,000+ iterations — your password never leaves your device

↓ key used to encrypt

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AES-256-GCM encryption in-browser

Fresh random IV per operation, via Web Crypto API — no third-party libraries

↓ encrypted blob only

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Stored encrypted on our servers

Syncs across your devices — we see only ciphertext, even if breached

🚫 No key escrow. No backdoors. No exceptions.

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Decrypted only on your device

Your password is your key. Lose it, and nobody — including us — can recover your data.

Features

Everything you need,
nothing you don't.

Built by someone who actually uses it. No bloat, no dark patterns, no "premium insights" locked away.

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Cash Flow Dashboard

Income vs spending vs net, month by month. Beautiful charts that make your financial story obvious at a glance.

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Net Worth Tracking

Property equity, shares, savings — all in one place. Monthly snapshots that let you watch your wealth compound over time.

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Financial Planner

Interactive sliders to model scenarios in real time. "What if I get a $20k raise and cut Amazon?" — answered instantly.

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Mortgage Analysis

Track your balance, model repayment scenarios, and visualise exactly how much of each payment is interest vs principal.

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Australian Tax Modeller

Stage 3 rates, LITO offset, Medicare levy — know your real take-home at any salary. Includes a side-by-side comparison table.

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Goal Tracking

House deposit, emergency fund, holiday — set a target, and Comma shows your projected completion date based on real savings behaviour.

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AI Insights Chat

Ask your spending data anything. Powered by your own Anthropic API key — your data goes directly to Anthropic, never through us.

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Smart Categorisation

150+ Australian merchant patterns built in. Groceries, dining, transport, utilities, subscriptions, health — automatically categorised. No manual tagging needed.

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Debt Priority Calculator

Should extra cash go to the mortgage, shares, or a HISA? Model all four strategies side by side over a 10-year horizon.

How it works

Up and running in 5 minutes.

No account setup labyrinth. No bank connection approval. No waiting.

Try it instantly

No signup needed. Try the full dashboard with demo data, or drag in your own bank CSV to see your real finances immediately.

Auto-detect your bank

Comma recognises CSVs from CBA, NAB, ANZ, Westpac, Up Bank, Macquarie, and more. Drop your file in — we'll identify the format and categorise transactions using 150+ Australian merchant patterns.

Your data, your control

Free users get the full dashboard stored in their browser. Upgrade to Pro for encrypted cloud sync, net worth tracking over time, goal projections, and AI-powered insights.

AI Insights

Ask your money
anything.

The AI chat reads your actual transaction history and answers in plain English. It can categorise uncategorised merchants, generate monthly summaries, identify trends, and answer questions about your finances.

💬 "What did I spend the most on last month?"

💬 "I have 14 transactions from MARTIN AND CO PTY LTD — what are these?"

💬 "What's eating my budget every month?"

💬 "Am I on track to retire at 60?"

Pro feature. Uses your own Anthropic API key — your financial data goes directly from your browser to Anthropic. Comma's servers are never in the loop.

Comma AI — connected to your data

Live

What did I spend the most on last month?

Your biggest category was groceries at $847, followed by dining out at $623.

Grocery spending is up 12% from last month — looks like the Harris Farm trips on weekends are adding up.

I have 14 transactions from MARTIN AND CO PTY LTD — what are these?

Based on the amounts ($12–$28 range) and timing (weekday lunches), these look like a cafe or restaurant.

Want me to categorise all 14 as Dining?

Ask about your finances…

Under the Hood

Open about how it works.

Most apps hide their tech stack. We publish ours — because transparency is the only way to earn trust with your financial data.

Every layer was chosen with your privacy as the constraint.

When we designed Comma's architecture, we started with one rule: if it touches your financial data, it either happens on your device or it never happens at all. The stack below reflects that constraint at every level.

🔓 The core app is open source.

The dashboard code that processes your CSVs is publicly available on GitHub. You don't have to trust our privacy claims — you can read the code yourself, or have a developer you trust verify it. The encryption implementation is auditable line by line.

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Frontend

React + Vite Open Source

The entire dashboard runs in your browser. CSV parsing, chart rendering, financial calculations — all client-side. Nothing is sent anywhere during analysis.

Your device

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Encryption

PBKDF2-SHA256 + AES-256-GCM via Web Crypto API Browser Native

Your password derives an encryption key using PBKDF2-SHA256 (600,000+ iterations). Data encrypted with AES-256-GCM using a fresh random IV per operation — all in your browser before anything leaves.

Your device

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Storage & Auth

Supabase Encrypted blobs only

We use Supabase to store encrypted data and handle auth. What we store is unreadable without your password — even a full database breach exposes only ciphertext. SOC 2 Type II certified and open source.

Our server

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Hosting

Vercel + GitHub Pages Static files only

The marketing site is hosted on Vercel. The app is hosted on GitHub Pages. Both are static files — no server-side code, nothing to hack.

CDN

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AI Insights

Anthropic API — your own key Direct connection

AI queries go directly from your browser to Anthropic using your API key. Comma's servers are never in the loop. Anthropic doesn't train on API data. AI is fully optional.

Browser → Anthropic

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Payments

Lemon Squeezy No financial data involved

One-time purchases handled by Lemon Squeezy. We never see your card details. Your payment unlocks Pro tier — completely separate from your financial data.

Lemon Squeezy

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Verify it yourself

The CSV parsing and analysis code is open source. Any developer can audit exactly what happens to your data when you upload a file.

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What we never do

We never sell data, run ads, connect to your bank directly, store plaintext transactions, or share anything with third parties beyond what's described above.

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Australian Privacy Act

Because we store only encrypted data, our obligations under the APA are minimal by design — not by loophole. We can't mishandle data we can't read.

FAQ

Straight answers.

The questions worth asking before you hand over your financial data to any app.

Q What happens if I forget my password?

Your data is encrypted with your password as the key. If you forget it, your data cannot be recovered — by you or by us. This is what makes Comma genuinely private. If we could recover your data, it would mean we could also read it.

We recommend storing your password in a manager like Bitwarden or 1Password.

Q Can Comma see my financial data?

No. Your data is encrypted in your browser before it reaches our servers. We store only encrypted blobs — even if our database were breached, attackers would get ciphertext. No key escrow. No backdoors.

Q Does Comma connect to my bank directly?

Never. Comma only reads CSV files you export manually from your bank's website. We don't use open banking, we don't ask for your banking credentials, and we never have access to your accounts.

Q My bank isn't in the auto-detect list — can I still use Comma?

Yes. Comma includes a manual column mapping UI — just match your CSV's columns to the fields Comma expects and you're done. If your bank only exports PDFs (like Bendigo, ING, or Suncorp), use any free PDF-to-CSV tool first.

Q What does "one-time payment" actually mean?

It means you pay once and own it. No subscription, no annual renewal, no price hikes. All future updates are included. If Comma shuts down, the offline version of the app still works — your data doesn't disappear.

Q How does the AI insights feature work privately?

You supply your own Anthropic API key. When you ask a question, your browser sends your financial data directly to Anthropic's API — Comma's servers are never in the loop. Anthropic does not train models on API data. You can disable the feature entirely if you prefer.

Pricing

One price. Yours forever.

No subscriptions. No monthly billing. No price hikes. Australians shouldn't have to rent their own financial clarity.

Free

always free · no account needed

✓Full dashboard with all tabs
✓CSV upload from any Australian bank
✓Keyword-based auto-categorisation
✓Australian tax modeller & debt calculator
✓Data stored in your browser — no signup needed

Try the demo →

Your finances, finally clear.

We store your data. We cannot read it. Ever.

Everything you need,nothing you don't.