One number. Safe to spend.
Your pay lands. Rent, power and your goals are set aside before you see a cent. What is left is yours until the next pay day, and Pay Plan shows you that figure every day.
Free to start. Banks connect through Akahu.Is linking my bank safe?
Safe to spend
$1,779.79
until pay day, Thu 22 Oct · about $222.47 a day
- Pay this fortnight
- $4,598.06
- Left from last fortnight
- $84.20
- Bills this fortnight
- −$1,549.00
- Goals set aside
- −$300.00
- Spending, planned or spent
- −$1,053.47
Built for how New Zealanders are paid
Fortnightly Thursdays, weekly Wednesdays, the 20th of the month. The plan follows your pay cycle, not the calendar month, and the strip counts down to the next one.
A calendar-month budget
Resets on the 1st. Two pays land somewhere inside it.
Pay Plan
Each plan starts the day the pay lands.
Not a budget you have to keep. A figure you can trust.
Each fortnight, after everything you have already decided. Spend it knowing the bills and goals are covered.
Safe to spend
$1,779.79
Pay, plus what is left from last fortnight$4,682.26
- Bills
- $1,549.00
- Goals
- $300.00
- Spending
- $1,053.47
- Safe to spend
- $1,779.79
Everything starts from your pay day.
I can raise Groceries by $40.00 for this pay. Want me to?
Nothing changes without you
Penny, the optional AI assistant, can spot patterns and propose a change. Every proposal waits for your confirmation, and you can turn AI features off in Settings.
$11.99 a month
Shared budgets, private accounts
Up to six people can share one budget, and each person chooses which of their own accounts it sees. The Household plan gives you and one partner Plus for one price.
$840.00 saved · $104.00 a fortnight
Goals, a pay at a time
Give a goal an amount and a date. Pay Plan works out what to set aside each pay and takes it off before safe to spend, so a holiday or a bike is planned rather than hoped for. Goals are on Plus.
- Invoice paid, Tue 13 Oct
- $6,200.00
- Into your income buffer
- $4,960.00
- Steady pay this month
- $3,500.00
Irregular income
Contract, shift or invoice work. Pay yourself a steady amount each cycle from an income buffer, with a percentage kept aside for tax, so a good month carries a quiet one.
What is worth a look, before it costs you.
Each night, and after each bank sync, Pay Plan checks your plan and transactions. Anything worth knowing appears as a card on your home screen, and Penny can explain it.
Budget at risk
Bills need more than is left
Three unpaid bills come to $612.00. That is $140.00 more than you have until pay day.
Subscriptions
You pay for 3 subscriptions
They come to $52.97 a month. All of them are streaming.
Price rise
Your gym went up
It is now $24.99, up $2.00 (9%) on the usual $22.99.
Insights are on Plus and Household. Example figures.
How Penny explains themWhat it does on an ordinary fortnight.
Rent is due before you are paid.
Your pay lands on a Thursday and rent comes out every Monday. Pay Plan sets both rents aside the day your pay arrives, so neither is ever counted as safe to spend.
Bills due before the next pay count against this one, and yearly bills take a share each pay. A bill due after pay day is the next cycle's.
| Thu 8Pay lands | $4,598.06 |
|---|---|
| Thu 8Set aside for bills | −$1,549.00 |
| Mon 12Rent | Covered |
| Fri 16Power | Covered |
| Sat 17Phone | Covered |
| Mon 19Rent | Covered |
| Tue 20Car insurance | Covered |
Two pays, different weeks, one plan.
Tama is paid on a Thursday and Jess the following Wednesday. The budget follows one pay cycle, and Jess's pay shows on the strip the day it lands.
Each of you chooses which accounts feed the shared budget. The rest stay private.
- ANZ joint everydayShared
- ANZ mortgageShared
- Tama's BNZ accountPrivate
- Jess's BNZ accountPrivate
Paid when the invoice is paid.
No pay day to anchor to, so the plan runs on calendar months. Each invoice goes into your income buffer after a percentage is kept aside for tax, and each month you are paid a steady amount from the buffer.
If the buffer is running low, Pay Plan says so before the month starts.
Tue 13 Oct, ASB business
- Tax set aside (20%)
- −$1,240.00
- Into your income buffer
- $4,960.00
- Steady pay this month
- $3,500.00
Buffer covers about 2 more months
Example households and figures.
Four more scenarios on the compare pageThe web app opens soon. iPhone and Android after that.
Join the waitlist and we will email you when it opens.