New Zealand is small enough that most international budgeting apps never bothered with local bank support. Cash Compass doesn't need it — NZD works out of the box and nothing has to connect.
Apple-native · No bank logins · iCloud sync
Copilot Money, Monarch and Rocket Money don't serve New Zealand accounts, and YNAB's automatic import doesn't extend here either. New Zealanders are usually left with manual entry regardless — the difference is whether you're paying a premium subscription for sync you can't use. Cash Compass is built around manual capture, so ANZ, ASB, Kiwibank and a bit of cash all behave identically.
Set the currency to NZD and every dashboard figure, chart label and CSV export follows. Cash Compass reads every ISO currency rather than a shortlist, so there's no fudging New Zealand dollars into a US-shaped app. Travelling to Australia for a fortnight? Change the currency in Settings and your earlier entries stay exactly as they were.
Spending in New Zealand is overwhelmingly card-based and quick, which makes it easy to lose track between paydays. Because the friction of logging is what usually kills a budgeting habit, capture speed matters more than clever analysis: speaking an expense as you walk out takes seconds, and the category is right because you picked it rather than an algorithm guessing.
Voice, photo of a receipt, or 3-tap manual entry — every method takes under 5 seconds.
Cash Compass picks the category automatically. Override once and it learns your pattern.
Weekly chart shows where money went. Adjust caps before the month is over, not after.
Yes — NZD is selectable at setup and changeable later. Totals, charts and exports all use it. Because every ISO currency is supported, there's no second-class handling of smaller currencies.
No. Cash Compass has no bank connections anywhere in the world, so New Zealand isn't a gap in coverage — it's the same experience users get everywhere. You log spending by voice, receipt photo or a few taps.
The free tier covers unlimited manual logging permanently, so you can decide after using it. Premium is for people who want unlimited voice and receipt capture, full charts, CSV export and iCloud sync across devices.
Transactions are stored on your device, and with premium they sync via your personal iCloud account rather than servers we run. There are no bank credentials involved at any point, so there's no credential database to expose.
Built native for iPhone, iPad, and Mac with iCloud sync. Works offline.
No bank logins, no Plaid, no data sales. All data lives in your iCloud.
Manual entry, charts, category tracking — all free, forever. Premium is optional.
NZD from the start, no bank connections required. Free on the App Store.
Download Cash Compass on the App Store