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. Spendle helps you split bills fairly, keep an eye on your bond, and quietly notice the subscriptions and buy-now-pay-later bits that creep up. And even while you rent, it helps you tuck a little aside towards a deposit.
- Bill-splitting that keeps everyone square
- Bond tracking so you know where it sits
- Subscription and BNPL detection
- Saving a deposit while you rent
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, grows your deposit on autopilot, and brings your KiwiSaver first-home picture into view. If you are buying together, you can budget side by side.
- Mortgage readiness report
- Deposit goal with auto-save
- KiwiSaver first-home visibility
- Joint budgeting for couples
Raising a family
Family life gets busier, and so does the money. Spendle gives you and your partner one shared view, shared goals to pull towards together, and gentle help as childcare costs shift over time. Sinking funds and a bigger buffer mean the lumpy weeks feel a lot less lumpy.
- A joint view for you both
- Shared goals you reach together
- Help as childcare costs shift
- Sinking funds and a bigger buffer
Owning your home
With your own place comes a mortgage to manage and a few more moving parts. Spendle tracks your mortgage, nudges you when a refix is worth a look, and lets you play out rate-rise scenarios calmly. Sinking funds for rates and insurance keep the big bills from being a surprise, and you watch your net worth grow.
- Mortgage tracking at a glance
- Refix checks when timing matters
- Rate-rise scenarios, calmly explored
- Rates and insurance sinking funds
- Net worth, growing over time
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.
Join the waitlistWherever you are, start calm.
Spendle is launching soon in New Zealand. Join the waitlist and we’ll let you know the moment it’s ready for your stage.