Free
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 on every plan. Premium tools go further when you need them.
On every plan
The everyday essentials
The calm basics that help you feel in control, day to day. Included on every plan, including Free.
Free
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.
Free
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.
Free
Spot subscriptions and Buy Now Pay Later
Spendle surfaces your recurring payments and any Buy Now Pay Later instalments in one tidy list, so nothing quietly slips through and surprises you later.
Free
Ask Spendle anything
From “how much did I spend on eating out?” to “can I afford a weekend away?”, ask in plain language and get a calm answer grounded in your real numbers. Free includes a set number of AI questions each month, and Plus and Pro are unlimited.
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
Net worth in one place
Bring your bank, KiwiSaver and Sharesies together and watch the whole picture grow.
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
Unlimited AI coach
Ask as much as you like, whenever a money question pops up, with no monthly limit.
Find the plan that fits
Start free and stay free for as long as you like, or unlock the premium tools whenever you are ready. See exactly what each plan includes.
Be first to feel calm about money.
Spendle is launching soon in New Zealand. Join the waitlist and we’ll let you know the moment it’s ready.