Safe to spend today
The one number that matters. Spendle looks at your income, bills and goals, then shows what is genuinely free to spend today. So a figure like $86 left is truly yours.
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 money goes
Spending sorts itself into clear categories automatically, complete with merchant logos you recognise. No manual tagging, just a calm picture of the month.
Goals with automatic saving
A house deposit, a Queenstown trip, a rainy-day buffer. Set a goal and Spendle quietly tucks a little aside each payday, moving you from 42% to fully funded.
Keep an eye on Buy Now Pay Later
Spendle gathers your Buy Now Pay Later instalments into one tidy list and counts them in your safe-to-spend, so an upcoming payment never quietly catches you out.
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, KiwiSaver and Sharesies together to see your whole financial picture in one calm view.
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
Advanced auto-save and sinking funds
Spread money across sinking funds so the big once-a-year bills never catch you out.
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 two people into one calm view, with a shared safe-to-spend and shared goals.
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 
