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A LITTLE CLARITY GOES A LONG WAY

Your money.
A clearer
direction.

For the business you’re building.
And the life you’re living.

Bring your budgets, bills and cashflow into focus—with separate spaces for business and personal finances.

Explore early access See how it works

Built for Australians. Designed for everyday decisions.

A clearer picture starts here
FISCL.INTERACTIVE EXAMPLE

Your business overview

This week
Available after planned outgoings$4,250.00

Starting balance $8,400 · Example only

Upcoming commitments$2,150
Planned reserves$2,000
A view of what’s ahead8 weeks
Week 1Week 4Week 8
In your plan
Software & tools$180
Workspace rent$1,200
Other commitments$770

Try switching workspaces. All figures are fictional illustrations.

One login. Two sides of life.Budgets with a purpose.A view of what’s ahead.

LESS GUESSWORK. MORE PERSPECTIVE.

A balance tells you where you are.
A plan helps you move forward.

There’s a lot sitting behind that number in your bank account. FISCL helps you see the commitments, choices and possibilities around it.

01

BILLS & COMMITMENTS

Give every commitment a place.

Keep recurring bills, repayments and planned spending together. See what is due before deciding what is available.

02

FORECASTS & SCENARIOS

Look further than your balance.

Map income and outgoings into a cashflow forecast. Explore a leaner spending plan and spot weeks that may need attention.

03

TRANSFERS & SAVINGS

Make room for your next goal.

Compare spending and savings targets with the reserves your business needs. Work out a proposed transfer before you move money.

CONNECTED LIFE. SEPARATE PLANS.

Wear both hats.
Keep two budgets.

Running a business doesn’t put the rest of life on hold. Switch between workspaces while keeping each budget and forecast distinct.

Find your balance

BUSINESS

Keep the business moving.

  • Income and recurring commitments
  • Tax and super reserve estimates
  • Cashflow and spending scenarios

PERSONAL

Make space for your life.

  • Everyday bills and spending
  • Personal cashflow forecasts
  • Spending and savings targets

START WHERE YOU ARE

From scattered numbers
to a plan you can use.

You don’t need everything figured out.
Build your picture, one step at a time.

  1. 01 / SET UP

    Choose your space.

    Create your login and a business or personal workspace. Add the other whenever you need it.

  2. 02 / BRING IT TOGETHER

    Add your starting point.

    Enter your balance, income and bills. Import a CSV statement to review and categorise transactions.

  3. 03 / LOOK AHEAD

    Explore your options.

    Review your forecast, compare spending choices and plan what to set aside.

A FEW THINGS TO KNOW

Clear answers.
Before you start.

Have another question? ↗
Who is FISCL for?

FISCL is built for Australians who want a clearer view of their money, especially sole traders and small business owners managing both business and everyday finances.

Can I keep business and personal finances separate?

Yes. Create business and personal workspaces under one login. Each has its own budget, commitments and forecast, so you can plan for both without combining their balances.

Can I connect my bank today?

Live bank connections are not available yet. We are arranging production access with an Open Banking provider. In the meantime, you can import transactions from CSV statements and enter balances and commitments manually.

Does FISCL tell me what I can claim on tax?

FISCL includes general Australian expense guidance and prompts to review business use and supporting records. It does not confirm your tax deductions or replace advice from a registered tax agent. Forecasts and reserve calculations depend on the information you enter.

Will FISCL transfer money for me?

No. The transfer planner helps you compare amounts for spending, savings and business reserves. You remain in control and make any transfer through your bank.

What does early access mean?

You can create an account and explore the current planning tools while FISCL continues to develop. Live bank feeds are still being arranged. Contact us to discuss availability and pricing before relying on FISCL for your business.

PLAN. SAVE. THRIVE.

Make your next money decision
with a little more clarity.

Explore FISCL

Early access · Live bank feeds coming later