Take Control of Your Finances

Know Your Debt Inside Out

Track every loan with detailed breakdowns — remaining balance, interest rates, repayment schedules, and the true cost of borrowing. Supports all major NZ banks and personal loan providers.

Built for New Zealand

Automatic PAYE, ACC Earners Levy, KiwiSaver, and student loan calculations using current NZ tax rates. We also calculate contractor schedular WT rates, RWT and PIR withholding, passive income without ACC levies, tax-exempt WINZ payments, GST 15% inclusive/exclusive handling, business expense ratios, IRD boarder standard-cost allowances, ACC pre-injury earnings, Working for Families abatement estimates, and support multiple tax years.

Credit Score Tracking & Resources

Upload and track your credit reports over time. Access curated helpful financial resources and links to keep your financial knowledge growing.

Built with Privacy at the Core

We take your financial privacy seriously. My Budget is built in compliance with the New Zealand Privacy Act 2020 and the 13 Information Privacy Principles — because your money is your business.

• Your data belongs to you — download everything anytime
• Passwords hashed with bcrypt, never stored in plain text
• Audit trail of security events — logins, failed logins, logouts, password resets, data exports and account deletions
• One-click complete account deletion, no questions asked
• When you delete your account, every trace is gone — all files, documents, records, and stored data are permanently destroyed from our databases and file storage systems (IPP 9), apart from a minimal record of your email address held for up to 12 months (see Privacy Policy)
• No tracking cookies, no third-party ads, no data selling — ever
• NZ Privacy Act 2020 compliant with all 13 IPPs