Stop losing money
between paydays
You get paid. You mean to save. But the money sits in one account and slowly disappears. PayDay splits your pay the moment it lands, so bills, savings and spending are sorted before you can touch it.
Works with all major NZ banks
1,200+ Kiwis on the waitlist
Sound familiar?
"I'll transfer to savings tomorrow"
Tomorrow becomes next week. Next week becomes never. The money quietly disappears on coffee and Uber Eats.
"My hours change every week"
Fixed automatic transfers don't work when you earn $900 one week and $1,400 the next. So you just don't bother.
"I have 4 accounts but one always gets forgotten"
Rent, savings, bills, spending - manually splitting across all of them every payday is a chore that gets old fast.
"I'm good at earning, bad at managing"
You work hard for the money. But at the end of the month there's nothing to show for it because nothing was put aside.
PayDay fixes all of this. Automatically.
Your pay, sorted
before you wake up
Rent covered. Savings growing. Spending money in the right account. All of it happens automatically the moment you get paid.
Never forget to save again
PayDay spots your pay the second it lands and moves money before you can spend it.
Works even when your pay changes
Percentage-based splits mean the right amount goes to the right place, whether you earn $800 or $1,800 this week.
Same percentages, different income = proportional splits
All your accounts, one view
Stop juggling bank apps. See every account across ANZ, ASB, BNZ, Westpac and more in one place.
Your bank details stay yours
We can see your pay come in but we can never touch your money. Read-only access, always.
Know when your money runs out
See exactly how many days your balance will last based on your actual spending. No more guessing.
Save without even trying
Every purchase rounds up to the nearest dollar. The spare change goes straight to savings. You won't even notice.
Built for how Kiwis actually get paid
Weekly wages, fortnightly salary, irregular contract work. PayDay handles it all so you don't have to think about money on payday ever again.
Smart Notifications
"Pay received. $690 to savings. $400 to bills. Done." Get a quick summary every payday so you know everything's sorted.
Financial Insights
Finally see where your money actually goes. Spending broken down by category so you can spot the leaks and adjust your splits.
Works on Any Schedule
Weekly wages, fortnightly salary, irregular contract work. PayDay detects your pay whenever it lands, no matter how often or how unpredictable.
Set Up in 5 Minutes
Connect your bank, set your split rules, and you're done. No spreadsheets, no manual transfers, no ongoing effort required.
No Contracts, Cancel Anytime
No lock-ins, no cancellation fees. Start with our free plan or go Pro. If it's not for you, leave whenever you want.
Goal Tracking
Saving for a holiday, a car, or just a rainy day? Set a goal, watch your progress grow with every payday, and celebrate when you hit it.
5 minutes to set up. Then forget about it.
Seriously. You'll spend more time deciding what to have for lunch.
Link your bank
Connect through Akahu in under a minute. We get read-only access to spot your pay. That's it.
Tell it where your money goes
"25% to savings, $400 to bills, the rest stays." Create rules that match how you actually want to spend.
Get paid. That's it.
Next payday, your money moves itself. You get a notification when it's done. No transfers to remember, no willpower required.
Your money, your control. Always.
We're a fintech app that moves money. We take that seriously.
Bank-level encryption
256-bit TLS encryption on every connection. The same standard your bank uses.
We never see your password
We connect through Akahu, NZ's trusted open banking provider. Your bank credentials never touch our servers.
You set every rule
Money only moves when you've explicitly created a split rule. Pause or delete any rule instantly.
Real people, real results
From our early access group of Kiwis who tested PayDay before launch.
"My hours at Countdown change every week so I never knew what 'saving 20%' actually meant in dollars. I'd tell myself I'd transfer it later, but later never came. PayDay figured it out for me. $4,200 saved in 5 months and I genuinely didn't notice the money leaving."
Sarah Hakopa
Shift Supervisor, Countdown · South Auckland
"My partner and I have a joint bills account at BNZ but our personal accounts are at ANZ. Every payday I'd manually calculate rent, power, and groceries then transfer it over. Now PayDay does it across both banks automatically. We haven't argued about money since."
Tom Nguyen
Electrician, self-employed · Lower Hutt
"I do agency nursing so my pay is different literally every fortnight. Fixed auto-transfers don't work when you earn $1,100 one week and $1,800 the next. With PayDay, 25% always goes to savings no matter what lands. I've finally got an emergency fund building without having to think about the maths."
Rachel Anand
Agency Nurse · Christchurch
Try it free. Upgrade when it clicks.
Most people upgrade after their second payday. Waitlist members get 3 months of Pro free when we launch.
Free
See why people never go back to manual transfers
- 1 income source
- Up to 3 allocation rules
- Manual splitting (tap to run)
- Payy AI (10 messages/month)
3 months Pro free for waitlist members
Pro
Set it up once, never think about it again
- Automatic pay detection & splitting
- Unlimited income sources & rules
- Unlimited Payy AI messages
- Advanced allocations (% + fixed + remainder)
- Full history + CSV export
- Priority support
Be first to know when we launch
Every plan includes bank-level encryption, Akahu-powered security, and 24/7 monitoring. Compare plans in detail
You're probably wondering...
Fair questions. Here are straight answers.
Is PayDay secure?
Which banks do you support?
How does automatic pay detection work?
Can I change my split rules anytime?
What happens if my pay amount varies?
Can I cancel anytime?
Still have questions?
View all FAQs