Personal finance · Aotearoa New Zealand

Your money,
handled.

Upload a CSV from your bank. See where every dollar went. Set a budget that fits your life. Find out what you'll actually retire on — while there's still time to change it.

Start 14-day free trial No credit card. $10/mo after.
✓ All major NZ banks ✓ KiwiSaver-aware ✓ Cancel any time
Numbers we wish weren't true

Most New Zealanders haven't done the maths.

Handled does the maths. Then it shows you, plainly.

40%
of Kiwis aged 18–35 have no idea what their monthly outgoings actually are.
Indicative — survey-based
$338k
median KiwiSaver projection at 65 for someone earning $65k today.
3% contribution, NZ Super excluded
$463
weekly NZ Super single rate. That's the baseline if nothing else exists.
After tax, 2025 figure
$25
monthly cost of the closest NZ competitor. We are $10.
PocketSmith Foundation plan
Three screens

Where it went.
What's left.
What happens next.

01 · WHERE IT WENT
9:41
‹
Last month
⋯
Total spent
$3,847.20
37 transactions · 14 categories
Groceries$1,203
Eating out$847
$247 over budget
Fuel$412
Subscriptions$289
Power & internet$246
02 · WHAT'S LEFT
9:41
‹
October budget
⋯
Days left in month
12
You have $612 left to spend
70%USED
Groceries$803 / $1000
Eating out$847 / $600
Fuel$290 / $400
03 · WHAT HAPPENS NEXT
9:41
‹
Your retirement
⋯
On your current path, at 65
$340k
Plus NZ Super of $463/week
Basic
Essentials. No holidays.
$310k
Comfortable
One holiday a year. Eat out fortnightly.
$620k
Luxury
No money worries.
$1.2m
TO REACH COMFORTABLE
Save $180 more per fortnight, or work to 68.
Every transaction
Auto-categorised against our NZ merchant database. Correct anything we miss in one tap — your fix improves the system for everyone.
Every category
Set a fortnightly or monthly budget. We tell you how many days of spending you've got left and which category will tip you over.
Every year ahead
Real retirement forecast. KiwiSaver, NZ Super, inflation — all in. Updates as your numbers change. Tells you exactly what to change.
The point of all this

What you'll actually
retire on.

Most Kiwis have never seen this number. Handled works it out using your real KiwiSaver balance, contribution rate, other investments, and NZ Super — and tells you exactly what to change to reach the next tier.

9:41
‹
Your retirement
⋯
On your current path, at 65
$340k
Plus NZ Super of $463/week
Basic
Essentials. No holidays.
$310k
Comfortable
One holiday a year. Eat out fortnightly.
$620k
Luxury
No money worries.
$1.2m
TO REACH COMFORTABLE
Save $180 more per fortnight, or work to 68.
BASIC · ~$310K
Essentials only. No holidays. No margin.
Where most Kiwis are headed if nothing changes. NZ Super on top, but that's it.
COMFORTABLE · ~$620K
One holiday a year. Eat out fortnightly. Sleep through the night.
Reachable with small changes made early. Handled tells you which ones, and by how much.
LUXURY · ~$1.2M
No money worries. Pick the lifestyle, not the budget.
Achievable for higher earners who start early. We show you the gap, not a sales pitch.
Don't like the number you'd get today?
Handled shows you what to change. And by how much. For $10 a month.
Run your real forecast
Pricing

$10 a month. No lock-in. Cancel any time.

Half the price of the competition. Built specifically for New Zealand.

Handled · Monthly
$10 / month NZD
14 days free. No card needed.
  • Unlimited transactions, all major NZ banks
  • Budgets, savings goals, loan tracker
  • Retirement forecast (KiwiSaver + NZ Super)
  • Credit card and investment tracking
  • Mobile and web app
  • Email support
Start free trial
Annual plan coming — around $100/yr.
How we stack up
Monthly
NZ-built
Retirement forecast
Handled
$10
✓
✓
PocketSmith
$20–25
✓
—
YNAB
~$25
—
—
Sorted (Govt)
Free
✓
forecast only
Spreadsheet
Free
—
—
Built right

A real NZ company. Not a scam.

No bank login required. No data selling. Subscription is the entire business model.

YOUR DATA
CSV gets processed, then deleted.
We parse your bank export, store the categorised transactions, then bin the raw file. We never see your login.
YOUR MONEY
We don't touch it. Only show you it.
Handled is not a bank. We can't move money. We can't authorise a payment. We can only count.
YOUR PRIVACY
No ads. No data selling. Ever.
$10 a month is the whole business model. If we ever change that, we'll tell you in plain English.
Questions

The ones people actually ask.

Direct bank feeds in NZ are expensive and require partnership deals. CSV export is universal — every major NZ bank supports it, it works today, and it lets us keep the price at $10.

Stop wondering.
Start knowing.

$10 a month. 14 days free. Cancel any time.

Get your money handled