PayDay

6.9easy start · #12of 17
in Automated Savings Apps

Free to practise onyes
Free trialno
Well documentedyes
Runs where you workyes

Runs on Android, iOS, Web.

PayDay is ranked #12 of 17 in automated savings apps on The Geeks Club. It runs on Android, iOS, Web. There is a free plan.

PayDay plans and pricing

All plans

Free Free Free while PayDay builds; no card required Bank linking via Akahu · automatic pay detection · custom percentage or fixed split rules · transfer history · unified NZ accounts dashboard · Payy AI assistant · biometric lock · email and in-app alerts payday.nz · 7 Oct 2026

Compared on automated savings apps

Free plan: Yes
Card roundups: Yes
Custom savings rules: Yes
Supported platforms: web

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The record

Purpose: PayDay detects incoming pay and automatically splits it across the user's accounts according to their rules.
Variable income: Percentage splits adjust to the amount received, while fixed split amounts stay the same.
Pay detection: PayDay checks connected accounts for deposits matching configured income sources and runs split rules after detecting pay.
Dashboard: The unified dashboard shows balances across connected NZ accounts and supports moving money between accounts.
Insights: The Insights tab uses transactions to estimate money remaining before the next pay and identify upcoming bills.
Integration: Bank connections run through Akahu, which PayDay uses to link bank accounts and facilitate transfers.
Supported banks: PayDay lists ANZ, ASB, BNZ, Kiwibank, and Westpac as supported; TSB, Heartland, SBS, The Co-operative Bank, Rabobank, and credit unions are not yet available.
Security: PayDay says it never stores bank passwords and encrypts data with 256-bit AES in transit and at rest.
Permissions: PayDay can view transactions and make only transfers set up in split rules, and users can revoke access or pause splits.
Privacy controls: Users can request data deletion and export their information from PayDay.
Availability: PayDay says it is in private testing and invites users through a waitlist.
Support: PayDay says its support team is based in New Zealand and provides a contact form for questions and feedback.
Intended audience: PayDay is designed for New Zealanders, including salaried workers, people with variable shift income, and contractors or self-employed people.
Founded: 2025
Price from: Free

Where it ranks on The Geeks Club

Best Automated Savings Apps in 2026#12 of 17

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Sources

payday.nz· checked 7 Oct 2026
payday.nz/security· checked 7 Oct 2026
payday.nz/download· checked 7 Oct 2026
payday.nz/contact· checked 7 Oct 2026
payday.nz/pricing· checked 7 Oct 2026