Launching soon. Early members get 6 months of Pro free
Stop losing money
between paydays
PayDay splits your pay across your accounts soon after it lands. Bills, savings and spending, sorted before you can touch it.
Split your pay from
You get paid. You mean to save. The money disappears anyway.
I'll do it tomorrow
The transfer slides to the weekend, then next week, then never.
My pay changes every week
$900 one week, $1,400 the next. Fixed transfers can't keep up.
My money is spread across four banks
Rent in one, bills in another, savings somewhere else.
Nothing left at month's end
Good income, nothing to show for it. It leaks out $12 at a time.
61% of New Zealanders struggle to save. Willpower was never the problem. Source: Kiwibank State of Savings Index 2026, Talbot Mills Research, 1,534 New Zealanders surveyed 15 to 21 June 2026.
Built for how you get paid
Different incomes. Same fix.
Salary, shifts or invoices. Whatever lands, PayDay splits it the way you told it to.
Salaried and saving
Same pay every fortnight and still nothing put aside by the end of it.
Your savings leave soon after pay lands, before you can spend them.
Shifts and casual work
$900 one week, $1,400 the next. Fixed transfers break every time it changes.
Percentage splits scale with whatever actually arrives.
Contractors and self-employed
Invoices land in lumps, and tax, GST and your own wage all come out of one pot.
Set aside tax and pay yourself the day the money comes in.
What it does each time your pay lands.
Detect the pay, run the split, tell you when it is done. Every payday, without you lifting a finger.
Detect and split
PayDay spots your pay soon after it lands and runs your rules for you.
Your banks, one screen
All your balances together. Drag money from one account to another and it is done.
$2,340
$8,250
$3,500
$1,857
Know when it is done
Your pay shows up in the app, and an email confirms when every split has run.
-
Pay detected
7:02 AM
$3,450 from ACME Corp
-
Splits complete
7:03 AM
$1,035 saved, $1,380 to bills
Drag and drop your money
Need to move $200? Drag it from one account to another and it is done. The fastest way to top up, rebalance, or rescue a tight week.
Works when your pay changes
Percentage splits adapt to what actually lands, whether it is $800 or $1,800 this week. A fixed auto-transfer cannot do that.
Same percentages, different income, proportional splits
Top up bills first
Set a target balance and PayDay tops the account back up to it, moving only the shortfall. Top-ups run before your other splits.
How split rules workFive minutes to set up. Then forget about it.
You will spend more time deciding what to have for lunch.
-
STEP 01
Link your bank
Log in at your own bank through Akahu. It takes about a minute.
01
About a minute
-
STEP 02
Set your split
"25% to savings, $400 to bills, the rest stays put." You write it once.
02
Written once
-
STEP 03
Get paid
Soon after your pay lands, the money moves itself, and an email confirms when every split has run.
03
Every payday
Insights
Know what is left before payday.
The Insights tab reads your own transactions to show what is left to spend and the bills likely before your next pay. Payy, your assistant, is one tap away.
See how Left to spend worksManaging money should not be hard. PayDay makes it easy to split, save and see everything.
Left to spend
$842
Until your next pay from ACME Corp in 10 days. An estimate: what is in your day-to-day accounts, less the bills likely before then.
Bills before your next pay
See what is about to go out
Regular bills, from weekly to monthly, are picked out of your own transactions, so you can see the ones likely to come out before your next pay. An estimate, with the working one tap away.
Your money stays yours.
Open banking is New Zealand law. PayDay connects through Akahu, New Zealand's open finance platform, and never sees, stores or touches your banking login.
-
Your login stays private
You log in at your bank's own screen, never ours.
-
Two permissions, nothing more
See transactions, run the transfers you set up. That is the whole list.
-
You authorise every rule
PayDay only runs the split rules you create. Edit or delete any rule, or pause all automation, and those splits stop.
-
Revoke anytime
Disconnect in the app or at my.akahu.nz and PayDay loses access to your bank.
Regulated open banking · Connected through Akahu · Transfers only by your rules · NZ-owned and built
Pricing
Two plans. One difference.
Plus splits one income source. Pro splits up to three. Everything else is the same.
Plus
1 income source
$9.99 a month
Or $99 billed annually
$8.25 a month
$99 billed annually
- 1 income source
- Bank linking via Akahu
- Automatic pay detection
- Split rules by percentage, fixed amount or top-up
- Transfers between your own accounts
- Transfer history
- A dashboard across your NZ accounts
- The Payy AI assistant
- Email and in-app alerts
Pro
Up to 3 income sources
$14.99 a month
Or $149 billed annually
$12.42 a month
$149 billed annually
- Up to 3 income sources
- Bank linking via Akahu
- Automatic pay detection
- Split rules by percentage, fixed amount or top-up
- Transfers between your own accounts
- Transfer history
- A dashboard across your NZ accounts
- The Payy AI assistant
- Email and in-app alerts
Prices in NZ dollars. Add a card to start your 30-day free trial. It is charged when the trial ends unless you cancel before then.
Waitlist members get 6 months of Pro free. Compare plans
Before you sign up
Questions people ask first
The short answers. The long ones are on the FAQ page.
Read the full FAQIs PayDay secure?
Yes. PayDay connects to your bank through Akahu, New Zealand's open finance platform. You log in at your own bank, never on PayDay, so we never see or store your banking credentials. All data is encrypted with TLS 1.3 in transit and AES-256 at rest. PayDay can see your transactions and make only the transfers you set up in a split rule. It cannot move money anywhere else, and you can revoke access at any time.
Is open banking legal and regulated in New Zealand?
Yes. The Customer and Product Data Act 2025 made open banking law in New Zealand. Since 1 December 2025, ANZ, ASB, BNZ, and Westpac have been required to provide secure open banking APIs, with Kiwibank joining during 2026. The regime is administered and enforced by MBIE, which can require information and issue infringement notices, with penalties set by the High Court. PayDay connects through Akahu, New Zealand's open finance platform, and you can revoke access at any time. PayDay itself is not an accredited requestor under the Act.
Which banks do you support?
PayDay makes payments only from and to accounts at the supported banks, which include ANZ, ASB, BNZ, Kiwibank and Westpac. Your pay needs to land at one of them, and your splits go to your own accounts at them. TSB, Heartland, SBS, The Co-operative Bank, Rabobank and credit unions are not available in PayDay yet.
How does automatic pay detection work?
PayDay checks your connected account on a regular schedule for deposits from the income sources you have added, matched by the payer's name. When it finds your pay, it runs your split rules soon after and emails you to confirm the splits have been completed.
Can I change my split rules anytime?
Yes! You have full control over your split rules. You can add, edit, pause, or delete rules at any time through the app. Changes take effect immediately and will apply to your next payday.
What happens if my pay amount varies?
PayDay handles variable income well. When you set percentage-based splits, the amounts adjust automatically based on your actual pay. Fixed amounts stay the same each time, and if your rules add up to more than a deposit, PayDay holds that deposit and emails you instead of running a partial split.
Can I cancel anytime?
Absolutely. There are no long-term contracts or cancellation fees, and you can cancel at any time. If you cancel, you keep access until the end of your current billing period.