We are building the money app we wanted ourselves: one that shows you where your money actually goes, in plain words, without selling you anything.
Paagaa is a budgeting app for New Zealanders. It connects to your bank, sorts your spending into categories on its own, and shows you what is coming in, what is going out and what is left.
When you want a person rather than an app, it can introduce you to a financial adviser, a mortgage adviser or a free financial mentor from a directory you can browse without an account.
Most of us could not say where our money actually went last month, not really. Without that picture it is hard to make good calls, let alone plan for something as big as a first home.
Nearly every tool that answers this question either wants you to type every transaction into a spreadsheet, or is attached to one bank and can only show you a piece of the picture. We wanted the whole picture, sorted automatically, explained in words a person would actually use.
Paagaa is built in Christchurch, Aotearoa New Zealand, for New Zealand conditions: our banks, our pay cycles, KiwiSaver, rates bills that land quarterly, and the cost of getting into a first home here.
That is why the guides talk about rego and WOF and MoneyTalks rather than generic overseas advice that does not apply.
We do not sell your data, and we do not take commission for pointing you at a product. Paagaa is paid for by the people who use it, which is the only arrangement where our interests and yours line up.
We also do not give financial advice. Paagaa gives you general information and your own numbers; a licensed adviser gives advice about your situation. Keeping that line clear is deliberate, and it is why nothing in the app or the guides recommends a particular fund, loan or insurer.
Signups are not open yet. Joining the waitlist costs nothing, needs no card, and means you get in first when we open the doors.
In the meantime the money guides are free to read and need no account at all.