Spendwise: Smarter Spending

$12.99 a month sounds small. $156 a year doesn't.

Spendwise is the budgeting app that runs itself. Connect your NZ bank account securely through Akahu, and every transaction is pulled in and categorised automatically – groceries, fuel, subscriptions, takeaways – no spreadsheets, no manual entry, no guilt.

See where your money actually goes: A clear monthly picture shows you income, spending, category breakdowns, trends, and your top merchants.

Catch the money leaks: Spendwise spots recurring payments and subscriptions, flags price rises, doubled-up services, and quiet habits that add up — always showing the yearly reality behind the monthly cost.

One number for your financial health: The Confidence Score blends your savings rate, spending trend, safety buffer, subscription load, and budget progress into a single 0–100 score.

Private by design: Bank connections are read-only via Akahu — we can see transactions, never move money. Your data is never sold, and you can delete everything, any time, from inside the app.

Want a look before connecting anything? Demo mode gives you a full, realistic tour without touching a bank account.

Spendwise is an information tool, not financial advice. Made in New Zealand for New Zealanders.

Terms of Use: https://spendwise.nz/terms