Stak: NZ Budget & Money

Take control of your money with a budgeting app built for New Zealand — around the day you actually get paid, not the calendar month. Most budgeting apps assume you're paid monthly on the 1st. Stak follows your real pay cycle — weekly, fortnightly or monthly — and shows what's left after the bills still to come. • Built around your pay cycle — know what's left before payday • What's left after bills, and per day — not a monthly average that hides a bad week • Tax Stash for the self-employed — an estimate of what to put aside from each payment, the expenses you mark as business in one place, and your tax money tracked as its own figure • Take-home pay with PAYE, ACC, KiwiSaver and student loan worked in, plus GST and provisional-tax checkpoints • Bills and reminders before they bite • Budgets with rollover, savings goals and repeating set-asides for rego, insurance and Christmas • Per-goal targets — see what each week adds up to against your target date • Subscription detective — spots repeat charges in what you've recorded and flags ones that went up • Money alerts — flags possible duplicates and unusual amounts in your records • Insights: trends, spending pace and where your money went • Home-loan calculators — repayments, two rates side by side, and the effect of an extra payment you choose • A first-home deposit planner, and a KiwiSaver illustration on the government's standard assumptions • Debt payoff scenarios — highest interest first or smallest balance first, your choice • Receipt scanning — photograph a receipt to fill in the details faster • CSV import and export — bring your history in, take it out whenever you like • Custom categories with emoji, so your list looks like your life • A money assistant that answers from your own records, on your phone — nothing you type leaves it • Private and secure — encrypted in transit and at rest, and never sold Stak works entirely from what you enter. No bank logins, no account connections. Stak is an information and budgeting aid based on the figures you've entered. It isn't personalised financial or tax advice, and it doesn't recommend financial products, providers or what to do with your money. For tax matters, talk to a chartered accountant or Inland Revenue. Made in New Zealand by Velox Pi Limited.