New Zealand · NZD
A free expense tracker for New Zealand, in NZ dollars
With EFTPOS, contactless and online payments all in the mix, it's easy to lose sight of where the week's money went. Balance keeps it in one place, in New Zealand dollars, without linking your bank.
It's free, shows no ads, and is quick enough to use at the checkout, which is the only way tracking actually sticks.
Free · No ads · 140+ currencies · Android (iOS coming soon)
Built around how New Zealand pays
- EFTPOS and contactless purchases, logged by scanning the receipt
- Online and bank transfers logged from a screenshot or by hand
- Power, broadband and insurance tracked as recurring bills
- Cash spends added in two taps
Groceries, rent and power: watch the big three
For most Kiwi households, rent, groceries and power make up the bulk of spending, and groceries are the one you can actually move week to week. Set a category budget for them and Balance shows how you're tracking before the month runs out.
If you're paid fortnightly, budget on a monthly figure (fortnightly pay × 26 ÷ 12) so the months with three paydays become a bonus rather than a buffer.
Your currency, set up for you
Balance sets your home currency from your phone's region the first time you open it, so in New Zealand amounts appear in New Zealand dollars (NZD) with the right formatting. If you move or prefer another currency, you can switch to any of 140+ in settings.
What you get, free
- Receipt and payment-screenshot scanning that fills in amount, merchant and date
- Category, merchant and monthly breakdowns
- A monthly budget, fixed expenses and bill reminders
- A subscription tracker for things that renew
- Roast Mode: a witty nudge when you overspend
- Android home-screen widgets and CSV export
Frequently asked questions
Can I use Balance in New Zealand dollars?
Yes. Balance picks NZD automatically from your phone's region, and you can switch currency anytime in settings.
Does Balance connect to NZ banks?
No. Balance never asks for a bank login. You scan receipts or add spends yourself, so it works with any bank.
Is Balance free?
Yes. Balance is free to download and use, with no ads. Everyday tracking — adding expenses, automatic capture, bills and subscriptions, accounts and CSV export — is free, and it isn't a trial that runs out.
Which platforms is Balance available on?
Balance is available on Android today. An iOS version is coming soon. It's a mobile app rather than a web dashboard.
Keep exploring
Start understanding your money with Balance.
Free to download, no ads, no bank login. Get it on Google Play and start tracking in minutes.