Safe to spend today
The one number that matters, worked out from your pay, bills and goals, with what’s left until payday and your next bill right underneath. Tap it to see exactly how it adds up, and how to fix it if something looks off.
Features
Everything you need to feel on top of it.
Spendle handles the everyday money stuff with calm clarity, then goes further when life gets bigger. No spreadsheets, no shame, no jargon.
The everyday essentials are free, forever. Premium tools go further when you need them.
Free, forever
The everyday essentials
The calm basics that help you feel in control, day to day. Free on the Free plan, no credit card needed.
See where your week goes
Spending sorts itself into clear categories as it lands. See how your week is tracking on the Free plan, with month and year views on Plus.
Budgets that pace you
Make categories that fit your life, then set budgets by week, fortnight, month or pay cycle. Spendle shows how you’re tracking as you go.
Savings goals you can see moving
A house deposit, a Queenstown trip, a rainy-day buffer. Set a goal, add to it when it suits, and watch it move towards fully funded.
Keep an eye on Buy Now Pay Later
Spendle shows which payment you’re up to on each Afterpay or Laybuy plan and holds back only what’s still to come, so an upcoming payment never quietly catches you out.
KiwiSaver and investments
See your KiwiSaver and investment balances, how they’re moving, and this year’s voluntary top-ups, kept separate from your everyday number.
Review, rules and imports
Sort anything uncategorised in a few taps. Choose Always do this and Spendle remembers next time. You can even import a statement from a bank you haven’t connected.
Your week, and your number at a glance
A calm weekly summary on every plan, and a home screen widget that shows your safe-to-spend, with amounts hidden while app lock is on.
Paying friends back
Mark a payee as a friend and link their pay-back to what you spent, so shared costs don’t skew your picture.
Plus & Pro
Go further with premium
The grown-up tools for mortgages, tax, investing and retirement, made just as calm as the rest of Spendle.
Pro
Mortgage readiness report
See where you stand and share a tidy summary with your broker when you are ready.
Pro
Mortgage refix and refinance check
A gentle nudge when it could pay to refix or refinance, with the numbers laid out clearly.
Plus
Car and big-purchase affordability
Compare cash versus finance for a car or other big buy, and see the real cost over time.
Pro
Self-employed tax set-aside
Spendle sets money aside for tax as you earn and assembles a tidy IR3 and GST pack.
Pro
Rental property cashflow
Track each rental’s cashflow through the year and keep a clean tax pack ready to go.
Pro
Retirement projection
A calm “will my money last” view that brings your savings and KiwiSaver together.
Pro
Plan for parental leave
Model the income dip through parental leave, size the buffer you will need, and see your cashflow across the whole period.
Pro
Net worth in one place
Bring your bank accounts, KiwiSaver, investments, property and debts together, and see how your net worth has moved over the year.
Pro
Scan a receipt
Photograph a receipt or pick one from your photos. Spendle reads the shop, date and total, and matches it to the right transaction for you to confirm.
Pro
Share with your adviser
Send a secure, read-only link of your net worth, assets or tax pack to your broker, adviser or accountant. Revoke it any time.
Pro
Live Google Sheets feed
Keep a private spreadsheet up to date automatically. Point Google Sheets or Excel at your own secure feed and your transactions stay current, no manual exports. Rotate the link any time.
Plus
Donation tax-credit tracker
Keep your donation receipts together so claiming your tax credit is simple at year end.
Plus
Forecasts, reports and exports
Look up to six months ahead, see tidy reports, and export your transactions as CSV, Excel or PDF. Pro stretches the forecast out to two years.
Plus
Daily insights and heads-ups
Gentle heads-ups when a bill creeps up, a subscription is worth a look, or a bill could take an account below the safety amount you set.
Plus
Subscription audit and cancel assistant
Find subscriptions you have forgotten and get a hand cancelling the ones you do not use.
Plus
Household and partner joint view
Bring your household into one calm view, with a shared safe-to-spend. Each of you connects shared accounts from your own login.
Plus/Pro
Ask Spendle anything
Ask in plain language, from “how much did I spend on eating out?” to “can I afford a weekend away?”, and get a calm answer grounded in your real numbers. 20 questions a month on Plus, unlimited on Pro.
Find the plan that fits
Start free, then add Plus, Pro or Family when you want more. Cancel any time, no lock-in. See exactly what each plan includes.
Feel calm about money, today.
Spendle is on iPhone, Android and the web. Start free, then unlock every feature with Plus or Pro.
Or download the app 
