Plainly.
Plainly turns a wall of bank-statement PDF text into something you'd actually read. Drop in a statement from any bank — a tuned parser handles the primary bank precisely, a generic heuristic parser covers everyone else — or connect accounts directly through open banking for live sync. Every transaction is automatically split into spending, income, and recurring bills, so monthly analytics are ready the moment an import finishes.
In beta — Plainly is not yet on public stores
Plainly is in beta with NZ statement imports and open-banking sync. A public Google Play release is next; iOS follows.
Snowball vs avalanche. Actually simulated.
Both strategies run as full amortisation simulations, not estimates, so you see the real interest and payoff-date difference — with a live slider for extra payments.
0 NZ banks supported
BNZ parsed precisely; ANZ, ASB, Kiwibank, and Westpac covered by a generic parser.
Akahu open banking, synced
Read-only balances and transactions sync automatically, no statements needed.
0-stage Baby Steps
Starter fund, debt payoff, full emergency fund, then your own savings goals.
Local-first, always
No accounts, no central database, bank credentials never touch the app.
Snowball vs avalanche
Both strategies run as full simulations side-by-side, the comparison is the picker.
A truth, every day
One rotating, deterministically-computed insight about your money, new each morning.
Savings goals, made visual
Pick an icon, set a target, and watch the progress bar close in.
Spending, categorised automatically
Fuel, groceries, dining, subscriptions, auto-sorted from every statement or synced transaction.
Snowball vs avalanche, actually simulated.
Both strategies run as real month-by-month amortisation on a sample set of debts — not estimates. Slide your extra monthly payment and watch the debt-free date and total interest move.
Sample debts · $10,000 total, $275 in minimums.