One price. No surprises.
Start free and upgrade when you need more. No hidden fees, no complicated tiers. Just straightforward pricing that makes sense.
Free
Get hooked on the core loop. See the value of pay splitting firsthand.
- 1 income source
- Up to 3 allocation rules
- Manual pay splitting (tap to run)
- Bank account linking via Akahu
- Basic transfer history (last 30 days)
- Payy AI assistant (10 messages/month)
- Automatic pay detection
- Unlimited income sources
- Unlimited allocation rules
- Priority support
- Advanced allocation types
Pro
Unlock automation and power features for complete financial control.
- Unlimited income sources
- Unlimited allocation rules
- Automatic pay detection & splitting
- Full transfer history (all time + CSV export)
- Unlimited Payy AI messages
- Priority support
- Advanced allocations (% + fixed + remainder)
- Bank account linking via Akahu
- Early access to new features
Compare Plans
See exactly what you get with each plan.
| Feature | Free | Pro |
|---|---|---|
| Income Sources | 1 | Unlimited |
| Allocation Rules | Up to 3 | Unlimited |
| Pay Splitting | Manual (tap to run) | Automatic detection |
| Allocation Types | Percentage only | % + fixed + remainder |
| Bank Linking (Akahu) | Yes | Yes |
| Transfer History | Last 30 days | All time + CSV export |
| Payy AI Assistant | 10 messages/month | Unlimited |
| Support | Priority |
Pay annually and save $19.98
Get Pro for just $99.90/year - that's only $8.33/month. Perfect for Kiwis committed to smarter money management.
Join the WaitlistBilling Questions
Everything you need to know about pricing and billing.
Is there really a free plan?
Yes! Our Free plan is genuinely free forever. No credit card required, no hidden fees, no trial that expires. You can use PayDay with up to 3 splits at no cost, for as long as you like.
How does the 14-day Pro trial work?
When you sign up for Pro, you get full access to all Pro features for 14 days completely free. We'll remind you before the trial ends, and you can cancel anytime. No questions asked.
Can I switch between plans?
Absolutely! You can upgrade to Pro anytime to unlock more features, or downgrade to Free if you find 3 splits are enough. Your existing rules will be preserved (though you may need to deactivate some if downgrading).
What payment methods do you accept?
We accept all major credit and debit cards (Visa, Mastercard, Amex). All payments are processed securely through Stripe with bank-grade encryption.
Is my payment information secure?
100%. We never store your card details. All payment processing is handled by Stripe, a PCI-DSS Level 1 certified payment provider used by millions of businesses worldwide.
Can I cancel anytime?
Yes, you can cancel your Pro subscription at any time from your account settings. You'll continue to have Pro access until the end of your billing period, then revert to the Free plan.
Do you offer annual billing?
Yes! Pay annually for Pro and get 2 months free. That's just $99.90/year instead of $119.88. A great option if you're committed to automating your finances.
What happens to my data if I cancel?
Your data remains safe and accessible even on the Free plan. We never delete your transaction history or settings. If you ever want to export or delete your data, you can do so from your account settings.
Ready to take control of your pay?
Join the waitlist today. Be first to know when we launch.
Join the Waitlist