Know what’s safe to spend
One clear number each day, worked out from your real income, bills and goals. No spreadsheets.
Coming soon to New Zealand
See what’s safe to spend.
See what’s safe to spend.
Every day.
Spendle connects to your bank, does the maths, and tells you the one number that matters.
Made in New Zealand. Bank-level security. Your data is stored securely.
Calm by design
Money is stressful enough. Spendle makes it gentle.
No shame, no spreadsheets, no jargon. Just clear answers and quiet progress.
Reach goals on autopilot
Set a goal, and Spendle quietly tucks money away every payday so you get there without thinking about it.
Ask anything about your money
Wondering if you can afford a weekend away? Just ask. Spendle answers in plain language.
How it works
Up and running in minutes
- 1
Connect your bank
Securely link your accounts through Akahu, New Zealand’s regulated open-banking provider. Read-only, always.
- 2
See your safe-to-spend
Spendle does the maths on your income, bills and goals, and shows the one number that matters today.
- 3
Set a goal, save automatically
Pick something to save for. Spendle moves a little aside each payday and celebrates with you when you get there.
For your stage of life
See your stage Spendle tailors itself to you
Flatting, buying your first home, raising a family, owning, or winding down. Spendle adapts as life changes.
What you get
Everything you need to feel on top of it
Safe to spend
The one number that matters
Spendle looks at everything coming in and going out, sets aside what’s for bills and goals, and tells you what’s genuinely free to spend today. Like having $86 left, and knowing it’s truly yours.
Goals on autopilot
Saving that happens on its own
A house deposit, a Queenstown trip, a rainy-day buffer. Set the goal and Spendle auto-saves a little each payday, quietly moving you from 42% to fully funded.
Ask anything
A money coach in your pocket
Ask Spendle anything, from “how much did I spend on eating out?” to “can I afford this?”. You get a calm, plain-language answer, grounded in your real numbers.
Your whole picture
Net worth, all in one place
Bring your bank, KiwiSaver and Sharesies together to see your complete financial picture, and watch it grow over time. Calm clarity, not a hundred logins.
Spendle Pro
For the bigger money moments
Mortgage readiness, refix checks, car affordability with finance, and tidy tax packs. The grown-up tools, made calm.
- Mortgage readiness report
- Refix check
- Car affordability, cash vs finance
- Self-employed tax packs
Security & trust
Built to be trusted with the thing that matters most
Your data is stored securely, your bank connection is read-only, and we’ll never sell a thing.
- Bank-level security Read-only via Akahu
- Securely stored Encrypted in and out
- Enforced 2FA On every account
- No ads Ever
- Never sell your data It’s yours
Be first to feel calm about money.
Spendle is launching soon in New Zealand. Join the waitlist and we’ll let you know the moment it’s ready.