Budgeting thatactually fits your lifeBudgeting that actuallyfits your life
Tell your money where to go before you wonder where it went.Tell your money where to go before you wonder where it went.
Connect your NZ bank accounts and see exactly where you stand.Connect your NZ bank accounts and see exactly where you stand.
No spreadsheets. Just clarity.No spreadsheets. Just clarity.
Connects to your bank
Works with ANZ, ASB, BNZ, Kiwibank, Westpac and more through Akahu. Your transactions flow in automatically.
Envelope budgeting
Assign your money to envelopes: bills, groceries, fun money. Know exactly what's available before you spend.
See the full picture
Track where your money actually goes. Celebrate the wins. Spot the patterns. No judgement, just clarity.
Your data stays yours
Bank-level encryption keeps everything secure. We never sell your information. Ever.
Common questions
Does it work with my bank?
Yes! We connect to all major NZ banks through Akahu, including ANZ, ASB, BNZ, Westpac, and Kiwibank. If you prefer, you can also add transactions manually.
Can I invite my financial coach?
Not yet, but it's on our roadmap. The app is built to support coach access in the future.
Is my data secure?
Absolutely. Your data is encrypted and protected with bank-level security. We use read-only bank connections, so we can see your transactions but can never move your money.
How do I get started?
Sign up free, connect your bank accounts (or skip that for now), and start creating envelopes for your regular expenses. The Getting Started checklist walks you through it step by step.
Ready to see where your money's going?
Join Kiwi households who budget by pay cycle, not by guesswork.