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
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.
The fix
PayDay fixes all of this. Automatically.
Set your split rules once. Every payday after that, PayDay does the work. No willpower. No spreadsheets. No manual transfers.
Your pay, sorted
before you wake up
You connect your bank accounts through Akahu's secure open banking, tell PayDay how to divide your pay, and we watch your main account for incoming deposits. The moment your pay lands, we automatically trigger transfers to rent, savings, bills and spending, exactly the way you set it up, every single payday.
Never forget to save again
PayDay spots your pay the second it lands and moves money before you can spend it.
All your accounts, one view
Stop juggling bank apps. See every account across ANZ, ASB, BNZ, Westpac and more in one place.
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
Your bank details stay yours
We can see your pay come in but we can never touch your money. Read-only access, always.
Your next payday could sort itself out
Join the waitlist and be first in line when we launch. Early members get 3 months of Pro free.
Not just another budgeting app
Budgeting apps tell you where your money went. PayDay decides where your money goes. Automatically, every payday, across every bank you use.
Automatic
Tracks only
You do it
% splits adjust
Swipe the table to see more
Wait, can't I just use my bank's auto-transfers?
Short answer: you can, but bank auto-transfers only work if your pay is the exact same amount, on the exact same day, every time. That's not how most Kiwis actually get paid.
A bank auto-transfer says: "On the 15th of every month, move $200 from Account A to Account B." It doesn't know when your pay actually arrived. If payday is late, the transfer still runs and your account might be empty. If your pay is bigger this week, you still transfer the same fixed $200, and the extra just sits there.
PayDay waits for your real pay to land, then splits it the moment it does. By percentage, fixed amount, or both. Late pay, early pay, bigger pay, smaller pay. The splits adapt every time.
A real month, two ways
Your payday should land on the 15th. But thanks to a public holiday, it lands on the 17th.
Option A
Bank auto-transfer
- 15th
Rule runs on schedule. $200 transferred to savings.
Doesn't check if your pay arrived.
- 16th
Account overdrawn. $15 fee. Bills bounce.
You find out Monday morning.
- 17th
Pay finally lands. You manually sort out the mess.
Back to spreadsheets.
Option B
PayDay
- 15th
Watching your account. Nothing moves.
No pay yet, no splits.
- 16th
Still waiting. Your balance is untouched.
No fees, no surprises.
- 17th
Pay detected. Splits run in seconds.
Bills, savings, spending, all sorted.
Same pay. Same splits. Only one of them actually works when real life happens.
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.
Every screen, built for clarity
A quick look at the app you'll use every payday.
Home
Balance, splits and next payday at a glance
Accounts
All your NZ banks, all your balances, one view
Automation
Set your splits once, forget about them
Profile
Settings, security and account preferences
Is this actually safe?
Yes. Here's exactly why, in plain English.
PayDay never sees, stores, or touches your banking login. We work through Akahu, New Zealand's trusted open banking provider. It's the same technology used by Hnry, Xero, and dozens of other Kiwi fintech apps.
Your login stays private
You connect your banks through each bank's own official login screen, never ours. Akahu never sees your password. Neither do we.
Read-only access, by design
Akahu gives PayDay permission to detect when your pay arrives. That's it. We literally cannot move money without a rule you've explicitly created.
You authorise every rule
Each split rule is a separate permission you control. Pause, edit, or delete any of them at any time, and splits stop immediately.
Revoke anytime from Akahu
PayDay's access lives in your Akahu dashboard. One click disconnects us completely. You're always in charge of the keys.
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
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
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."
Rachel Anand
Christchurch
"I used to pay myself whatever was left in the business account at the end of each month. It was never enough. Now 20% lands in savings the moment I pay myself. Simple rule, massive change."
Emma Coleman
Wellington
"First full-time job out of high school. I had no idea how to budget. PayDay splits it before I even see it. $180 to bills, $200 to savings, rest is mine to spend. Haven't run out of money once in 4 months."
Jack Williamson
Hamilton
"I freelance so my pay is all over the place. $3,200 one week, nothing for two weeks. Percentage splits mean I'm always saving proportionally, not missing a payment when things are quiet."
Olivia Chen
Christchurch
"My partner and I used to transfer money back and forth constantly. 'Can you cover power, I'll sort groceries.' Now rent and bills come out automatically into our joint account every payday. No more phone calls about money."
Matt Robinson
Tauranga
"I'd been meaning to start saving for 5 years. PayDay took 10 minutes to set up. $150 a fortnight to savings, $75 to a holiday account. Just took my family to Fiji with money I didn't even miss."
Aroha Timoti
Rotorua
You could be next
Join the waitlist and skip the queue when PayDay launches. Waitlist members hear first about Pro when it's ready.
Join the PayDay waitlist