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MΔ te mahi tahi, ka ora te whΔnau. By working together, the family thrives.
Building connected financial ecosystem for Aotearoa.
Features
Start with family coordination, move into household money clarity, and extend into first-home buying and investment when the time is right.
For household CFOs looking for financial clarity. Sync your bank accounts automatically, track combined net worth, and forecast cash flow effortlessly.
Swipe Through Cards
"Managing cash flow and tracking net worth across combined accounts is a breeze. MoneyWise handles our debt and forecasting automatically for my family. Also, seeing our investment property details helps us manage cash flows, and now we are looking for our third house!"
Net worth
LiveYour household status
$1.248M
Family Cash
$168,972.23
20 accounts
KiwiSaver
$42,586.55
2 accounts
Investment
$28,000.00
2 accounts
Property
$1.292M
2 properties
Debt
-$314,458.60
7 accounts
Month Income
$9,875.46
This month
Month Spend
$2,300.11
This month
Month Saving
$7,575.35
This month
Transactions
Snapper
Salary Account - 22 Jul
-$9.57
KiwiSaver
Joint Account - 21 Jul
-$250.00
Investment
Salary Account - 21 Jul
-$125.00
Life Insurance
Salary Account - 20 Jul
-$48.90
Grocery
Salary Account - 20 Jul
-$220.00
Insight
Grocery spend can often be reduced through basket and store choice. **Life Insurance** premium may improve by checking the right cover levels and comparing providers.
Spending by category
Total
$2,133
Insight
Transport fuel cost at BP looks higher than expected. Try using the train when possible to save $12.50 a day on parking.
Cash flow
Income
$8,420
Spend
$5,090
Savings
$3,330
Balance
$6,480
Available across the next two weeks
Upcoming transaction
Home loan repayment - ASB
04 Aug
-$1,860.00
Insight
Next month is going to be tight. **Home insurance** payment of $2,800. **Car insurance** payment of $700. Start setting aside for these expenses now.
Free Money Sandbox
Explore mortgage, refinance, rent vs buy, dividend, stock, and other money scenarios in one place.
Explore your borrowing options, model renewals, and simulate offset scenarios in a safe environment. Run the numbers on how small habits compound into decades of freedom.
See how savings balances reduce daily interest calculations to pay off mortgages early.
Determine exactly how much time you save by putting spare cash directly toward the principal.
Compare custom terms and scenarios against live special rates from major lenders.
"Offsets let us target our home loan directly. Watching the years shave off in real-time is incredibly motivating!"
Enter your current rent & savings to find affordable purchase prices
$571,000
$471,000
$617
$699
π‘ After 10 years, Buying builds $416,684 in property equity, compared to renting which leaves you with a $179,085 investment portfolio after paying rent.
"The Rent vs. Buy comparison helped me find the exact property price range I could afford based on my current weekly rent. It was a complete no-brainer to start house hunting around that range!"
Should you buy now or keep renting and invest the deposit? Break free from rules of thumb. Compare interest, inflation, maintenance, and growth rates side-by-side.
Determine if compounding your deposit in stocks outperforms entering the housing market.
Accounts for rates, insurance, maintenance, body corp fees, and interest rates.
Set property growth expectations and rental inflation projections over a 30-year horizon.
Access Journey
Access is opening in stages across the MoneyWise family journey.
Trust and Security
Security
Layer 1 focuses on safe account visibility, scoped access, and clear permission boundaries.
Context
Built in Aotearoa with the spirit of Kaitiakitanga β helping your whΔnau steward and grow household resources together.
Connections
Information-sharing features are designed to use trusted connection services so households can stay organised with clear permission boundaries.
Protection
The current Layer 1 experience is built around visibility and understanding rather than moving money.
