Finally See Where Your Money Actually Goes
Stop guessing and start knowing. PayDay breaks down your spending by category so you can spot the habits that help you and the ones that hold you back.
Join the WaitlistYour Spending, Broken Down
Every transaction gets sorted into a clear category. You'll know exactly how much you spend on groceries, transport, eating out, subscriptions, and more.
February 2026 Spending
$3,240 totalAutomatic Categorisation
PayDay automatically sorts your transactions into categories. No manual tagging required. It learns from NZ merchants and gets smarter over time.
Visual Breakdowns
Colourful charts and progress bars make it easy to see where the biggest chunks of your money are going at a glance.
Custom Categories
Create your own categories or recategorise transactions if you want a more personalised view of your spending habits.
NZ-Focused
Built to recognise Kiwi merchants like Countdown, Pak'nSave, Z Energy, and BP. It knows the difference between a Warehouse trip and a Warehouse Stationery run.
Spot the Trends Before They Spot You
See how your spending changes week to week and month to month. Patterns are easier to fix once you can actually see them.
Week-over-Week
Compare this week's spending against last week across all categories. Catch the little blow-outs before they become big ones.
Month-over-Month
See the bigger picture. Monthly trends show whether you're spending more or less over time and which categories are driving the change.
Category Trends
Drill into any category to see how it's changed over the past 3, 6, or 12 months. Perfect for tracking whether those takeaway habits are getting better or worse.
Payday Periods
View spending by pay period instead of calendar month. Because most Kiwis budget from payday to payday, not the first to the thirty-first.
Average Spend
Know your average weekly and monthly spend for each category. See at a glance when you're tracking above or below your typical habits.
Insights That Actually Help
PayDay doesn't just show you numbers. It tells you what they mean and what you can do about it. Think of it as a friendly nudge, not a lecture.
Spending Alerts
Get notified when a category spikes above your usual spending. No judgement, just awareness so you can decide if it's a one-off or something to watch.
Wins & Savings
It's not all about the bad news. PayDay celebrates when you cut spending in a category or hit a savings target. A little positive reinforcement goes a long way.
Subscription Tracker
PayDay identifies all your recurring payments and flags potential overlaps. Forgot about that free trial that started charging? You'll know about it.
Unusual Spending
When something looks out of the ordinary, PayDay gives you a heads up. Maybe it's a big one-off purchase. Maybe it's something you want to keep an eye on.
Turn Insights Into Better Split Rules
This is where it all comes together. Your spending data isn't just interesting to look at. It helps you build smarter split rules that match how you actually spend, not how you think you spend.
Data-Driven Suggestions
PayDay looks at your real spending and suggests split rule adjustments. If you're consistently overspending on groceries, maybe your everyday account needs a bigger slice.
Before & After
Preview how a rule change would have affected your last few pay cycles. See the impact before you commit to any changes.
One-Tap Adjustments
When PayDay suggests a tweak, you can apply it with a single tap. No need to rebuild your rules from scratch.
Continuous Improvement
Your spending changes with the seasons, life events, and new habits. Financial Insights keeps your split rules evolving right alongside you.
Suggested Adjustments
Based on your last 3 months of spending
Your everyday spending has averaged 53% of your pay over the last 3 months. A little extra breathing room would help.
Your bills have been consistently under budget. You could shift 2% to everyday without any risk.
Dropping savings by 3% still keeps you on track for your $10K goal by December.
Ready to Understand Your Spending?
Stop wondering where your money goes. Get clear, honest insights and split rules that actually match your life. Join the waitlist and be the first to try Financial Insights.