Your Spare Change Builds Real Savings
Every time you tap your card, PayDay rounds up to the nearest dollar and puts the difference into savings. You won't even notice it going, but you'll definitely notice it growing.
Join the WaitlistHow Round-Ups Work
It's beautifully simple. Spend as you normally would, and PayDay handles the rest.
You Spend Like Normal
Grab your morning coffee, fill up with petrol, do your grocery shop. Nothing changes about how you spend.
PayDay Calculates the Round-Up
Each purchase gets rounded up to the nearest dollar (or $2, or $5, your choice). The difference is your spare change.
Spare Change Goes to Savings
PayDay automatically transfers your round-ups into your chosen savings account. It all happens in the background.
A Typical Day in Aotearoa
Five transactions, barely noticeable amounts, real progress towards your goals.
Small Change, Big Impact
The average Kiwi makes around 30 card transactions a week. With an average round-up of about 50 cents per transaction, here's what that looks like.
About 30 transactions at ~$0.50 each
That's a nice dinner out, saved without trying
A holiday, a new phone, or a solid emergency fund start
And that's just with standard $1 round-ups. Bump it up to $5 round-ups or use a multiplier, and you could save over $3,000 a year from spare change alone.
Your Round-Ups, Your Rules
Everyone's different. Customise your round-ups to match your savings goals and comfort level.
Choose Your Round-Up Level
Gentle savings, barely noticeable
A step up without the sting
Turbo mode for serious savers
Multiply Your Round-Ups
Want to save even faster? Apply a multiplier to every round-up. A $0.50 round-up becomes $1.00 at 2x, or $1.50 at 3x.
You can change your multiplier anytime. Start low and increase as you get comfortable.
Watch Your Savings Stack Up
Round-ups don't feel like much day to day. But zoom out a bit and the numbers start to get exciting.
Savings Timeline (Standard $1 Round-Ups)
Based on 30 transactions per week with an average $0.50 round-up. With a 2x multiplier, these numbers double. With $5 round-ups and a 2x multiplier, you could save over $6,000 in a year.
Painless Saving
You genuinely won't notice these tiny amounts leaving your everyday account. It's the easiest savings habit you'll ever build.
Builds the Habit
Round-ups work on autopilot, so you're saving consistently without having to think about it or remember to transfer money.
Works With Pay Splitting
Round-ups sit alongside your regular PayDay splits. Your pay gets split on payday and your spending generates bonus savings in between.
Start Saving Without Even Trying
Every coffee, every grocery run, every tank of petrol brings you closer to your savings goals. Join PayDay and let your everyday spending work for you.