Beta opening soon

Finally, a budget app that gets how Kiwis get paid and spend

Envelope budgeting with NZ bank sync. Built for weekly and fortnightly pay. Guided by Remy, your budget coach.

Join the WaitlistSee how it works
Starter Stash
$1,000✓
Good morning,
Sarah
Envelope Status
✓
10on track
!
23need attention
4 items to reconcile
Quick Glance
Select envelopes to watch for quick spending decisions.
Rent
$520 / $520
Groceries
$195 / $300
Power
$140 / $175
Fun Money
$60 / $150
Bank synced
✓
Syncs with Akahu
10+ NZ banks supported
Web and mobile
Bank-level encryption

Sound familiar?

Your budget app doesn't get weekly or fortnightly pay

Monthly budgets don't match how you actually get paid. You're constantly doing mental maths.

Spreadsheets lasted about two weeks

You started strong but life got busy. Now it's just a document you feel guilty about.

You never quite know what's "safe to spend"

Money's in the account but bills are coming. Can you afford dinner out? Who knows.

There's a better way

Built for NZ pay cycles

Weekly, fortnightly, or monthly. Your budget matches your actual pay dates.

Remy guides you through setup

Step-by-step coaching. No spreadsheet skills needed. No budget experience required.

Envelopes show you exactly what's left

Every dollar is allocated. Check your envelopes before you spend. Simple as that.

Core Feature

Envelope budgeting that actually makes sense

Split your pay into digital envelopes for rent, groceries, power, fun and so much more. When an envelope is empty, you know. No more guessing, no more overdoing it.

BillsGroceriesSavingsFun Money
Budget Allocation
NameTypePer PayDue InCurrent
Rent
Bill$2602 pays$520
Groceries
Spending$150—$195
Power
Bill$87.501 pay!$140
Petrol
Spending$50—$80
Fun Money
Spending$75—$60
Built for NZ

Your pay cycle, your budget

Fortnightly pay? Sorted. My Budget Mate budgets per pay cycle, not per month. Because Kiwis don't all get paid on the first of the month.

FortnightlyWeeklyMonthly
My Salary·Next pay 07/02/2026·Fortnightly
Per Pay
$1,850
100% Allocated
$1,850
Remaining
$0
100% allocated$0 remaining
Partner Salary·Next pay 15/03/2026·Monthly
Per Pay
$2,400
100% Allocated
$2,400
Remaining
$0
100% allocated$0 remaining
Your Coach

Meet Remy. No guilt, just guidance.

Remy walks you through setup, celebrates your wins, and keeps it real when things get tight. No lectures. No shame. Just a mate who gets it.

Step-by-step setupCelebrates winsReal talk
✓Budget is balanced and envelopes are funded.
Remy
Remy
Your Budget Coach
TipsFeaturesFAQs
Level your seasonal bills to avoid surprises. Set a consistent per-pay amount and let the surplus build for winter.
Use Quick Glance to pin the envelopes you check most often. Great for weekly spending decisions.
The My Budget Way

A clear path for your money

No matter where you're starting from. Start with Step 1.
Remy will help with the rest.

1

Fill Your Envelopes

Allocate your pay into envelopes for bills, spending, and savings. Know exactly what you can spend before you spend it.

Start here
2

Build Your Starter Stash

Save $1,000 so unexpected costs don't blow up your budget. A cushion that lets you breathe.

$1,000 buffer
3

Smash Your Debt

Use the debt snowball method. Smallest debt first. Each payoff builds momentum and frees up cash.

Snowball method
4

Build Your Safety Net

Grow your emergency fund to cover 3 months of expenses. Peace of mind when life throws a curveball.

3 months' expenses
5

Grow Your Future

Debt gone, safety secured. Now invest in your future. KiwiSaver top-ups, savings goals, investments or whatever matters to you.

Your goals
Why My Budget Mate

Built for Kiwis. Not retrofitted.

See how My Budget Mate stacks up against the alternatives.

My Budget MateYNABSpreadsheets
NZ bank sync (Akahu)✓✗✗
Weekly and Fortnightly✓ Native✓Manual
Guided setup (Remy)✓✗ DIY✗ DIY
NZ focused✓ 100%US-focusedN/A
Envelope budgeting✓✓Manual
NZD pricingFree beta~$24 NZD/moFree
Questions?

Frequently asked questions

It's free during the beta period. After launch, there'll be an affordable subscription. We'll give beta users plenty of notice and a loyalty discount before any pricing kicks in.
Yes! We connect through Akahu, New Zealand's trusted open banking platform. ANZ, ASB, BNZ, Kiwibank, Westpac, TSB, SBS, Heartland, Co-op Bank, and more are supported. Plus investment platforms like Sharesies and Hatch.
Similar concept (envelope budgeting), but purpose-built for NZ. Native bank connections through Akahu, fortnightly pay cycle support, NZD throughout, and Remy as your guide. No workarounds needed for how Kiwis actually get paid.
It's a method where you divide your income into "envelopes" for different expenses. Rent gets an envelope, groceries get an envelope, fun money gets an envelope. When an envelope is empty, you're done spending in that category. It's simple, visual, and it works.
Absolutely. We use Akahu, a regulated open banking provider in New Zealand. We never see or store your bank login details. All data is encrypted in transit and at rest. We take security as seriously as your bank does.
Not at all. Remy guides you through everything step by step. The whole point is to make budgeting approachable, not intimidating. Whether you've never budgeted before or you're a spreadsheet veteran, it works for you.
Remy
Remy
Still have questions?

Join the waitlist and you'll get access to Remy and the team during beta. We're a small crew building this with real Kiwis, and we'd love your input.

Ready to stop guessing
and start knowing?

Join the waitlist. We'll give you a shout when it's your turn.

Free during beta. No spam. Just a heads up when we're ready.