Live in New Zealand on iPhone, Android and the web

See what’s safe to spend.
Every day.

Spendle connects to your bank, does the maths, and tells you the one number that matters.

Get started How it works

Start free, no credit card needed. Upgrade to Plus, Pro or Family any time.

Download Spendle on the App Store Get Spendle on Google Play

Made in New Zealand. Bank-level security. Your data is stored securely.

The Spendle home screen showing $86 safe to spend today, what’s left until payday and the next bill due
Connects to

Works with the banks you already use

Link your everyday accounts, credit cards and KiwiSaver, and see it all together.

  • Read-only, through Akahu
  • Everyday accounts, credit cards and KiwiSaver
  • Every account in one place
  • ANZ Everyday banking
  • ASB Everyday banking
  • BNZ Everyday banking
  • Westpac Everyday banking
  • Kiwibank Everyday banking
  • Co-operative Bank Everyday banking
  • TSB Everyday banking
  • SBS Bank Everyday banking
  • Heartland Savings
  • NZHL Home loans
  • American Express Credit card
  • Gem Visa Credit card
  • Wise Multi-currency account
  • Simplicity KiwiSaver
  • Milford KiwiSaver
  • Fisher Funds KiwiSaver
  • Generate KiwiSaver
  • Booster KiwiSaver
  • SuperLife KiwiSaver
  • Pie Funds KiwiSaver
  • Kernel KiwiSaver and investing
  • Sharesies Investing
  • Hatch Investing
  • Stake Investing
  • Sharesight Portfolio tracking

Bank connections run through Akahu, New Zealand’s regulated open-banking provider. Spendle never sees your banking login, and the connection is read-only, so Spendle can’t move your money. The providers you can connect depend on what Akahu supports at the time. Logos belong to their owners and don’t imply endorsement. How we keep it secure

Calm by design

Money is stressful enough. Spendle makes it gentle.

No shame, no spreadsheets, no jargon. Just clear answers and quiet progress.

Free

Know what’s safe to spend

One clear number each day, worked out from your real income, bills and goals. No spreadsheets.

Free

Budgets and goals that keep you on track

Budgets that pace you through the week or pay cycle, and goals you can watch grow every time you add to them.

Plus

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. 1

    Connect your bank

    Securely link your accounts through Akahu, New Zealand’s regulated open-banking provider. Read-only, always.

  2. 2

    See your safe-to-spend

    Tell Spendle when you’re paid, weekly, fortnightly or twice a month. It does the maths on your income, bills and goals, and shows the one number that matters today.

  3. 3

    Set a budget or a goal

    Budgets pace you through the week, fortnight or pay cycle, and goals show how close you are. All on the Free plan.

For your stage of life

Spendle tailors itself to you

Flatting, buying your first home, raising a family, owning, or winding down. Spendle adapts as life changes.

See your stage
A flatting stage of life in New Zealand
What you get

Everything you need to feel on top of it

Real screens from the Spendle app, showing demo data.

  1. Safe to spend Free

    The number you actually wanted

    Your balance isn’t the whole story. Spendle sets aside the bills due before payday, your goals and a small buffer, then shows what’s genuinely yours. Tap the number to see exactly how it’s worked out.

    Spendle’s Why this number screen, listing the money counted, the bills set aside before payday, goals and a small buffer
  2. Spending Free Month and year on Plus

    See where the week went

    Transactions sort themselves into categories as they land, from New World to Contact Energy. One glance tells you if you’re over or under for the week.

    Spendle spending screen showing $224 spent this week, $35 under, and where the money goes by category
  3. Budgets Free

    Budgets that pace you

    Set a budget for the week, fortnight, month or your pay cycle. Spendle shows how far through the period you are, so you can ease off early instead of finding out at the end.

    Spendle budgets for entertainment, eating out, the ute and groceries, each showing spending against how far through the period you are
  4. Buy Now Pay Later Free

    Every instalment, on the calendar

    Spendle picks up your Buy Now Pay Later plans and shows what’s paid, what’s next and what’s still owing, so the next payment never catches you out.

    An Afterpay plan in Spendle, payment 2 of 4 with $64.20 left over two payments
  5. Goals Free

    Something to aim for

    A house deposit, a Queenstown trip, a rainy-day buffer. Add to a goal whenever it suits and watch the percentage climb, with a gentle heads-up if your goals need more than you have spare.

    Spendle goals screen with a house deposit at 31% and a Queenstown trip at 34%
  6. KiwiSaver Free

    Your long-term money, in view

    See your KiwiSaver and investment balances together, with how they’ve moved over the last month, three months and year. They’re kept out of your safe-to-spend, so your everyday number stays honest.

    Spendle KiwiSaver and investments screen showing $86,600 across KiwiSaver and investments
  7. Insights Plus

    A gentle heads-up, before it matters

    Spendle spots the things worth a second look, like a power bill that’s crept up or streaming subscriptions adding up, and lets you know early if payday looks tight. You can ask the money coach anything too.

    Spendle insights, including a power bill a bit higher than usual, three streaming subscriptions and a heads-up before payday
  8. Mortgage readiness Pro

    Walk into the bank prepared

    An indicative read of your income, spending and surplus over the last six months, laid out the way a lender looks at it. A clear head start, not advice.

    Spendle mortgage readiness report showing average income, monthly spend, monthly surplus and lender flags
Spendle Pro

For the bigger money moments

Mortgage readiness, refix checks, net worth and tidy tax packs. The grown-up tools, made calm.

More with Spendle Pro
  • Mortgage readiness report
  • Refix check
  • Net worth in one place
  • 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
Read about security

Feel calm about money, today.

Spendle is on iPhone, Android and the web. Start free and see what’s safe to spend in minutes, no credit card needed.

Get started
Or download the app
Download Spendle on the App Store Get Spendle on Google Play