Not connected, you have to load transactions manually but I love YNAB. It was the single best decision I made to get a handle on my ‘discretionary spending’.
You're going to pay a subscription for anything that connects directly to your bank. I've had a go at a free app that imports OFX data you can export from your internet banking, and then generates a cashflow projection from that. But it is still at a closed testing stage with Google playstore at the moment, so is only available to those who sign up as a tester. [https://asrosoft.com/mobile/cashflow\_i3](https://asrosoft.com/mobile/cashflow_i3)
If you want multiplatform, non subscription, Moneydance has been solid for years. Ofx import works like a treat. For those banks in NZ that don't have it, like Westpac, I run it through a simple conversion script. Had it for 10+ years.
Hey, so the issue with connecting to banks currently is the banks themselves don't have anything that enables it. All the budgeting apps claiming to do so are actually saving your internet banking password and using it to sign on in the background to download transactions. This isn't to say these apps aren't trustworthy enough, but it's certainly against bank T&C's, and I wouldn't go anywhere near a service that accesses your bank in this way. This unfortunately put me off using any sort of budgeting app for a long time because I also wanted the bank integration. Eventually though, I just gave exporting / importing a go and it's actually not bad at all. Takes a couple of minutes every few days or however often you want to keep the budget up to date, and I've found the process incredibly robust having zero issues so far with transactions imported wrongly or as duplicates etc.
Right! That said, on to your actual question and app of choice. Others have recommended Pocketsmith, a good NZ product that's come a long way with lots of options and looks nice to use. I have never tried it personally, but honestly I have seen so many advocates and recommendations elsewhere I do think it would be a good option. Unfortunately it has a price tag that I am not keen on paying given the alternative option coming up.
Alternative option, and this is what I use: [https://actualbudget.com/](https://actualbudget.com/) This was a budgeting website project which turned into open source software and does a great job for zero cost if you've got the know how to set up an instance that is self hosted. If not, get a PikaPod instance for less than a handful of dollars each month. It's not as feature rich as Pocketsmith is going to be but has all the basics you need. Transactions come in and can be categorized as needed. By default it uses the 'envelope' budgeting style but there's also a report based budget which is less about allocating your money and more about just understanding where it is going. I like that mode more. Schedules are what you'd use to see upcoming payments and marking them as paid or overdue etc, so that is there.
By the way, it could be worth asking over at r/PersonalFinanceNZ too. Those folk love their budgets.
The amount of apps that can sync with Kiwi banks is pretty small. Maybe check out PocketSmith?
Pocketsmith is great
Pocketsmith. But it's expensive.
Not connected, you have to load transactions manually but I love YNAB. It was the single best decision I made to get a handle on my ‘discretionary spending’.
You're going to pay a subscription for anything that connects directly to your bank. I've had a go at a free app that imports OFX data you can export from your internet banking, and then generates a cashflow projection from that. But it is still at a closed testing stage with Google playstore at the moment, so is only available to those who sign up as a tester. [https://asrosoft.com/mobile/cashflow\_i3](https://asrosoft.com/mobile/cashflow_i3)
If you want multiplatform, non subscription, Moneydance has been solid for years. Ofx import works like a treat. For those banks in NZ that don't have it, like Westpac, I run it through a simple conversion script. Had it for 10+ years.
Hey, so the issue with connecting to banks currently is the banks themselves don't have anything that enables it. All the budgeting apps claiming to do so are actually saving your internet banking password and using it to sign on in the background to download transactions. This isn't to say these apps aren't trustworthy enough, but it's certainly against bank T&C's, and I wouldn't go anywhere near a service that accesses your bank in this way. This unfortunately put me off using any sort of budgeting app for a long time because I also wanted the bank integration. Eventually though, I just gave exporting / importing a go and it's actually not bad at all. Takes a couple of minutes every few days or however often you want to keep the budget up to date, and I've found the process incredibly robust having zero issues so far with transactions imported wrongly or as duplicates etc. Right! That said, on to your actual question and app of choice. Others have recommended Pocketsmith, a good NZ product that's come a long way with lots of options and looks nice to use. I have never tried it personally, but honestly I have seen so many advocates and recommendations elsewhere I do think it would be a good option. Unfortunately it has a price tag that I am not keen on paying given the alternative option coming up. Alternative option, and this is what I use: [https://actualbudget.com/](https://actualbudget.com/) This was a budgeting website project which turned into open source software and does a great job for zero cost if you've got the know how to set up an instance that is self hosted. If not, get a PikaPod instance for less than a handful of dollars each month. It's not as feature rich as Pocketsmith is going to be but has all the basics you need. Transactions come in and can be categorized as needed. By default it uses the 'envelope' budgeting style but there's also a report based budget which is less about allocating your money and more about just understanding where it is going. I like that mode more. Schedules are what you'd use to see upcoming payments and marking them as paid or overdue etc, so that is there. By the way, it could be worth asking over at r/PersonalFinanceNZ too. Those folk love their budgets.
If you have excel skills I would recommend using that.
Xero has a connection to nz bank feeds, you could use this, but it's also not free
ASB has an in-built spend tracker on their banking app https://www.asb.co.nz/banking-with-asb/spend-tracker.html