How Pay Plan works

One figure, for the days between now and your next pay. Fortnightly Thursdays, weekly Wednesdays, the 20th of the month: the plan follows your pay cycle rather than the calendar month, and the cycle strip counts down to the next pay day. Spend the figure and the plan still works.

ANZ, ASB, BNZ, Kiwibank, Westpac and TSB connect through Akahu, the open-banking service the banks work with, so your spending lands in the plan without you typing it. Pay Plan never sees your banking password, and you can disconnect a bank whenever you like. Or type things in yourself; both work, and a manual budget is a whole budget.

For couples, families and flats. Up to six people share one budget, each with their own view of it, so everyone sees what is left without sharing a bank login. Bills split on a fair share of what each person earns, or evenly, whichever the household agrees on. A member on the free plan joins without paying anything, and a Household plan gives everyone in the budget Plus, paid by the budget's owner.

Penny, the optional AI assistant, reads your own plan and explains it: where a category has drifted, which bill has gone up, what a change would do to the figure. It gives general budgeting information about the money you already have, and it never recommends a bank, an insurer, a loan or any other financial product. Every proposal waits for your confirmation before anything changes, and you can turn Penny off in one tap.