Pricing

Simple, honest pricing

Start free and stay free, or upgrade to Plus, Pro or Family whenever you want more. Cancel any time, no lock-in. All prices are GST inclusive, in New Zealand dollars.

Founding member pricing: subscribe now and your price is locked for life. Prices rise after launch.

Get 2 months free when you pay annually

Free

The daily money basics, free forever.

Free

Free forever. No credit card needed.

Upgrade to Plus or Pro any time.

Start free

Everything you need to know what is safe to spend.

  • Live bank feed via Akahu (one bank)
  • Safe to spend, every day
  • See where your money goes
  • Goals with payday auto-save
  • Buy Now Pay Later tracking

Plus

The everyday money app, fully unlocked.

$4.99 / month

Billed monthly. Or $49.90/year.

GST inclusive, NZD.

Cancel any time. No lock-in.

Get started

Everything in Free, plus a money coach and clever automation.

  • Everything in Free, plus all your banks
  • Daily insights and found money
  • 20 AI questions a month
  • Subscription audit and cancel assistant
  • Advanced auto-save and sinking funds
  • Car and big-purchase affordability tool
  • Donation tax-credit tracker
  • Household and partner joint view
Most popular

Pro

For homeowners, investors and the self-employed.

$7.99 / month

Billed monthly. Or $79.90/year.

GST inclusive, NZD.

Cancel any time. No lock-in.

Get started

Everything in Plus, plus tools for the bigger money moments.

  • Everything in Plus
  • Unlimited AI coach
  • Net worth across bank, KiwiSaver and Sharesies
  • Mortgage readiness report and broker share
  • Mortgage refix and refinance check
  • Retirement and parental-leave projections
  • Self-employed and rental property tax packs
  • Forecasting, exports and adviser sharing
  • Live Google Sheets feed

Family

Everything in Pro, for your whole household.

$12.99 / month

Billed monthly. Or $129.90/year.

GST inclusive, NZD.

Cancel any time. No lock-in.

Get started

Everything in Pro, for everyone under your roof.

  • Everything in Pro, for your whole household
  • Covers you and up to 5 others
  • One bill, and everyone gets their own Spendle
  • A shared view of your household cashflow

No ads. We never sell your data.

Questions

Good to know

Is Spendle free?
Yes. The Free plan is free forever, with no credit card needed. Connect your bank, see what is safe to spend each day, follow where your money goes, set goals with auto-save and keep an eye on Buy Now Pay Later. When you want daily insights, a money coach and clever automation, you can upgrade to Plus or Pro, and you can cancel any time with no lock-in.
What is the difference between Free, Plus, Pro and Family?
Free covers the daily basics: your safe-to-spend number, spending breakdown, goals with auto-save and Buy Now Pay Later tracking. Plus adds daily insights, a money coach, the subscription audit and clever auto-save. Pro adds the bigger-money tools: net worth, mortgage readiness, refix, tax packs and retirement planning. Family gives everyone in your household their own Pro, on a single bill.
How does the Family plan work?
Family is everything in Pro for your whole household. One subscription covers you and up to five other people, so up to six of you in total, and each person gets their own private Spendle. You share a household view of your combined cashflow, and only the household owner is billed.
What is founding member pricing?
Whatever you pay when you subscribe now is locked in for life. Our prices will rise after launch, but as a founding member yours will not, for as long as you keep your plan. It is our way of saying thank you for being early.
Can I use Spendle on my phone?
Yes. Spendle is on the App Store and Google Play, and it runs in your browser too. It is the same account either way, so your bank connections, goals and history follow you between your phone and the web.
Is my data secure?
Yes. Your bank connection is read-only through Akahu, the regulated open-banking provider, and Spendle never sees or stores your bank login details. Every account has enforced two-factor authentication, and your data is encrypted in transit and at rest. Read more about security.
Where is my data stored?
Your data is stored securely on Amazon Web Services, encrypted in transit and at rest, and protected by strict access controls. You can read more on our Security page.
Can I cancel any time?
Of course. There are no lock-in contracts. You can upgrade, drop back to the Free plan, or cancel whenever you like, and you can export or delete your data at any time.
How does the AI coach work?
The AI coach is part of Plus and Pro. Plus includes 20 AI questions a month, and on Pro the coach is unlimited, so you can ask about your money as often as you like.

Start with Spendle today.

Start free in minutes, no credit card needed. Upgrade to Plus or Pro whenever you want more. Spendle is on iPhone, Android and the web.

Get started
Or download the app
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