Pricing

One price, everything included. No free tier that quietly withholds the useful parts, and no commission from anyone else.

What it costs

Your first month is free. After that it is $8 a month, or $96 a year if you would rather pay once. Prices are in New Zealand dollars.

The yearly price is the same as twelve monthly payments. There is no discount for paying up front; it is just there if you would rather pay once.

Joining the waitlist costs nothing and needs no card. You are not charged anything until signups open and you choose to start. When you start, you add your card, but nothing is charged until your free month ends (or your second one, if you earned it). Cancel before then and you pay nothing.

What you get

Everything. There is one plan, so there is nothing to compare.

Your accounts in one place, with spending sorted automatically
Goals, and what it takes each week to hit them
Paagaa on hand to ask about your own money
Introductions to advisers, mortgage advisers and free financial mentors

How the free months work

Join the waitlist and your first month is free. Refer a friend and answer a couple of quick questions to earn an extra month free.

The extra month needs both: the questions we ask after you join, and one friend who joins on your link. It is added to your first free month, so two free months is the most anyone can have before paying anything.

Free months are a one-time welcome. If you have had a Paagaa plan before, your new plan starts without them and your first payment is taken when you start.

Paying, renewing and cancelling

Payments go through Stripe, our payment provider. Your card details stay with Stripe, and Paagaa never sees your card number.

Before you start, we show you the exact date of your first payment.
From your first payment on, your plan renews by itself each month or each year until you cancel.
Cancel anytime from Account settings, in a couple of taps. You keep using Paagaa until your free months end or the time you have paid for runs out, and you are not charged again.
Switch between monthly and yearly whenever you like, also from Account settings.
The full details, including refunds and what happens if a payment fails, are in our Terms of Service.

Why it is not free

Because the alternatives are worse. A free money app is usually paid for by selling your data, or by taking a commission for steering you towards a particular loan, fund or insurer.

We do neither. You paying us is the only arrangement where the app has no reason to want anything from you except that it keeps being worth the money.

Is the money guides part free?

Yes, and it always will be. Every guide is free to read, needs no account, and is not gated behind an email address.