Spendle fits where you are, and grows with you
Flatting, buying your first home, raising a family, owning, or investing for later. Spendle quietly tailors itself to you and adapts as life changes.
You choose your situation when you sign up, and you can change it any time. Spendle simply meets you where you are.
Flatting and renting
Sharing a place should feel easy, not like a running tally in your head. Mark a flatmate as a person and link their pay-back to what you spent, so shared costs don’t skew your picture. Spendle keeps your buy-now-pay-later plans in view, budgets pace you through the week, and a deposit goal shows how close you’re getting while you rent.
- Pay-backs linked to what you spent
- Buy Now Pay Later plans in one place
- Budgets that pace you
- A deposit goal you can watch grow
Buying your first home
Your first home is a big, exciting step, and Spendle is calm company for the journey. It shows where you stand with a mortgage readiness report, keeps your deposit goal in view, and puts your KiwiSaver balance alongside your other investments. If you are buying together, you can see your household side by side.
- Mortgage readiness report
- A deposit goal you can watch grow
- KiwiSaver and investments in one view
- A joint view for couples
Raising a family
Family life gets busier, and so does the money. Spendle gives you and your partner one shared view, with each of you connecting shared accounts from your own login. Budgets that pace you keep the week on track, and goals for the once-a-year bills mean the lumpy weeks feel a lot less lumpy.
- A joint view for you both
- Shared accounts, each from your own login
- Budgets that pace you
- Goals for the once-a-year bills
Owning your home
With your own place comes a mortgage and a few more moving parts. Spendle checks whether a refix is worth a look, forecasts the months ahead, and helps you plan for rates and insurance so the big bills are never a surprise. Your net worth brings your property, KiwiSaver and investments together, so you can watch it grow.
- Refix checks when timing matters
- A forecast of the months ahead
- Goals for rates and insurance
- Net worth, including your property
Investing and retirement
Whether you are building a portfolio or winding down, Spendle helps the bigger picture stay clear. See cashflow per property, watch your net worth, and look ahead with a retirement projection. When it is time to square things away, tidy tax packs make it that much simpler.
- Per-property cashflow
- Net worth across everything
- Retirement projection
- Tidy tax packs
Life moves, and Spendle moves with you
You choose your situation at sign-up, and you can change it any time. As one chapter turns into the next, Spendle quietly adjusts so the right tools are always close at hand.
Get startedWherever you are, start calm.
Spendle is on iPhone, Android and the web. Start free today, no credit card needed.
