PocketSmith forecasting at NZ$11.99/mo.
Connect ANZ NZ, ASB, BNZ, Westpac and Kiwibank. Track KiwiSaver contributions and IRD-deductible expenses. Built for weekly and fortnightly pay. Akahu coming soon.
Free plan forever · NZ Privacy Act 2020 compliant · Akahu partner
Every New Zealand bank.
Akahu native integration rolling out through 2026
Why Kiwis switch
PocketSmith is great. It’s also NZ$35/month.
PocketSmith Super: NZ$35
Brilliant forecasting, but at NZ$35/month (Foundation NZ$22). We deliver the same 365-day forecasts at NZ$11.99.
Native KiwiSaver + IRD
Built-in KiwiSaver contribution tracking and IRD-ready expense tagging. PocketSmith requires manual setup.
Akahu partner
We are integrating Akahu — New Zealand’s native open banking standard — not relying on screen scraping forever.
Built for Aotearoa
IRD-ready. KiwiSaver-aware.
KiwiSaver Tracker
Track employee + employer + government KiwiSaver contributions. Project balance at age 65. Warn if you fall below the 3% minimum to claim the maximum employer match.
IRD Expense Tagging
For sole traders and contractors. Tag deductible expenses against IR3 schedule categories. Export an IRD-ready CSV for your annual income tax return.
Fortnightly + Weekly Pay
Kiwi pay cadences are typically weekly or fortnightly. Budgets align natively. Plan around your real cycle, not the calendar month.
GST for Self-Employed
Track GST collected vs paid. Six-monthly or two-monthly filing reminders. Export GST101A-ready report for your accountant or directly to Xero (NZ’s most-used accounting tool).
Working for Families Awareness
Track family income against Working for Families thresholds. Warn before income exceeds the abatement threshold and tax credits drop.
Multi-Currency for Travel
Hold AUD, USD, GBP, EUR alongside NZD. Critical for Kiwis who work remotely, travel to Australia for work, or holiday in the Pacific.
66% cheaper than PocketSmith Super.
PocketSpend
NZ$11.99/mo
or NZ$119/year
PocketSmith Foundation
NZ$22/mo
Super tier NZ$35/mo
YNAB
US$14.99/mo
~NZ$25 · no NZ bank sync
Frequently asked questions
How does bank sync work in New Zealand?▼
New Zealand’s Open Banking framework via Akahu is launching gradually — we use Akahu where supported and an interim secure aggregator for banks not yet on Akahu. Read-only OAuth, never able to move money. ANZ NZ, ASB and BNZ are live; Kiwibank and Westpac on the 2026 H2 roadmap.
Is Akahu fully supported?▼
Native Akahu integration is rolling out. Akahu is New Zealand’s leading open banking aggregator, founded in Auckland. We are on their partner roadmap and expect full coverage by Q4 2026.
How is this different from PocketSmith?▼
PocketSmith is New Zealand-founded and we respect that. But PocketSmith Foundation is NZ$22/month and Super is NZ$35/month. We deliver the same cash-flow forecasting at NZ$11.99/month. Plus we have native KiwiSaver tracking and IRD tagging built in.
How much does it cost in NZD?▼
Free plan with one bank connection. Personal Premium is NZ$11.99/month (or NZ$119/year). Business with GST and IRD export is NZ$17.99/month. Significantly cheaper than PocketSmith.
Does it track KiwiSaver investments?▼
Yes — connect your KiwiSaver provider (Milford, Simplicity, Booster, Fisher Funds, Generate, ASB, etc) where they support Open Banking. Otherwise, log balances manually monthly. KiwiSaver rolls into net worth dashboard.
Where is my data stored?▼
New Zealand user data is hosted in AWS ap-southeast-2 (Sydney) since AWS does not yet have a NZ region. We respect the NZ Privacy Act 2020. Data sovereignty preference: we will migrate to AWS NZ when it launches in 2026.