Privacy-first NZ bank spending analysis

Know where
your money
actually goes

Export your bank statement from ANZ, ASB, Kiwibank, Westpac, BNZ, or Wise and drop it here. Get instant category breakdowns, spending trends, and full control over how transactions are classified. We never ask for your bank login.

Account Optional
Bank login Never asked
Categories 600+ patterns
Spending Analytics overview dashboard with summary cards, category breakdown, and spending trends

Start here

Start with a statement

Drop a CSV export to open the dashboard. No bank login, no signup.

Statement

↑

Drop a bank statement

Export a CSV from ANZ, ASB, Kiwibank, Westpac, BNZ, or Wise. Add as many files as you like.

Open Banking · Coming soon

Sync from your bank

We're testing bank sync through Akahu, and it will come to Pro. Until then, upload a statement.

Currently in Beta

4-step process

Statement in, clarity out

No bank login, no signup. Stay anonymous, or sign in to keep your data across sessions.

1

Export your statement

Go to your online banking (ANZ, ASB, Kiwibank, Westpac, BNZ, or Wise) and download your transaction export.

2

Drop it here

Drag the file into the upload zone. The parser auto-detects your bank format.

3

Review categories

600+ merchant patterns categorise your spending. Override anything that doesn't look right.

4

Understand your flow

Summary cards, doughnut charts, monthly trends, and a full transaction ledger, updated as you filter.

What you get

Built for real transactions

It reads your actual bank data and shows you what's happening, instead of asking you to fill in a budgeting template.

Auto-categorisation

600+ merchant patterns map Countdown to Groceries, Z Energy to Fuel, and Uber to Transport before the page finishes loading.

Inline overrides

Click any category chip to reassign it. Your override sticks for all matching transactions.

Date-range filtering

Narrow the dashboard to any window. Summary cards, charts, and the ledger all respond live.

Multi-upload merging

Upload files from any supported bank into the same session. Transactions merge and deduplicate.

Review queue

Uncategorised transactions surface in a dedicated queue. Fix them one-by-one or in bulk.

Open Banking, coming soon

We're testing bank sync through Akahu so you can skip the export. It will come to Pro, and it won't ask for your bank login either.

Your money data
stays yours

We never ask for your bank login, and we don't sell your data. Stay anonymous with a CSV, or sign in to keep history. Sign-in, hosting, and payments go through the providers named in the Privacy Policy. Wipe your uploads any time.

Storage Anonymous or signed-in session
Bank login Never requested
Third parties No advertisers or brokers
Cleanup Wipe your data in the app

NZ bank support

Built for New Zealand

Parsers are written specifically for NZ bank CSV formats. All five major NZ banks supported, plus Wise.

ANZ

Supported

Reads every transaction type ANZ exports.

ASB

Supported

The parser handles ASB's extra header rows automatically.

Kiwibank

Supported

Full parsing with other-party details and international transfers.

Westpac

Supported

Bill payments, direct credits, and all transaction types parsed.

BNZ

Supported

Both deposit and credit card CSV formats supported.

Wise

Supported

NZD balance statements, including card spends, top-ups, and conversions.

Your bank?

Coming soon

More NZ banks on the way. Let us know which one you need.

From people who tried it

Spending, finally legible

Found $40/month of subscriptions I'd completely forgotten about. Took about ten seconds to see it.
Sam ASB
My dining spend was double what I'd guessed. Seeing it broken out by category was genuinely eye-opening.
Mere Kiwibank
I didn't have to hand over my bank login to anyone. Just exported the CSV and dropped it in.
Josh ANZ
Ready?

Your transactions,
see everything

No account required for a CSV upload. Sign in to save your data or skip the export. A full spending dashboard in under 10 seconds.