PayDay
PayDay: A free, web-based way to automate paycheck splits, round-ups, and savings. Ranked #12 of 17 in Automated Savings Apps by our editors (7.5/10); pricing: Free plan; best for paycheck-based saving in New Zealand.
At a glance
- Editor score7.5 / 10
- PricingFree plan
- Best forPaycheck-based saving in New Zealand
- Free planYes
- Paid fromFree
- Card roundupsYes
- Founded2025 · Auckland, New Zealand
- Facts checked20 Sep 2026
Where it wins
- Detects incoming pay and triggers percentage or fixed-amount transfers
- Connects multiple New Zealand bank accounts through Akahu
- Adds round-ups, alerts, transfer history, and a unified dashboard
Where it doesn't
- Currently pre-launch and available through a waitlist
- Web-only, with no listed mobile platform
- Paid Pro pricing has not yet been set
Our verdict on PayDay
PayDay is a New Zealand money-management app for people who want incoming pay divided automatically across connected accounts. It detects pay and applies user-defined percentage or fixed-amount split rules, which can support bills, savings, spending, variable income, or multiple bank accounts. The product also includes card round-up savings, a unified account dashboard, transfer history, notifications, and the Payy in-app AI assistant. PayDay is currently pre-launch and available through a waitlist, with a free plan while the product is being built.
The Free plan costs $0 and includes bank linking through Akahu, automatic pay detection, custom percentage or fixed-amount split rules, a unified dashboard, Payy, and email and in-app alerts. The published feature set also includes automatic transfers when pay is detected, multi-bank connections, round-ups, and optional two-factor authentication. Pro pricing has not yet been set, so the current offering is straightforward for users who want the available functionality without a subscription decision.
Its main strength is ecosystem fit for New Zealand banking. Akahu connections cover ANZ, ASB, BNZ, Westpac, Kiwibank, TSB, Rabobank, and The Co-operative Bank, allowing users to bring multiple accounts into one workflow. The trade-off is platform scope: PayDay is web-only, and access is currently through a waitlist. Choose it if paycheck-triggered automation, custom split rules, and New Zealand bank connections match your needs. Consider an alternative if you need a mobile app or a product that is already generally available.
Your product? Our editors can test PayDay in depth and publish a review, labelled as paid · from $149/mo →
PayDay pricing
All 1 PayDay plans and prices →
PayDay fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Free |
| Card roundups | Yes |
| Scheduled transfers | Not verified |
| Custom savings rules | Yes |
| Savings goal limit | Not verified |
| Interest on savings | Not verified |
| Withdrawal method | Not verified |
| Supported platforms | Web |
| Deployment | Cloud |
| Platforms | Web |
| Compliance & security | 2FA |
| Support | Email, Docs |
| Built for | Solo, Small business (editorial estimate) |
| Integrations | 9 integrations: Akahu, ANZ, ASB, BNZ, Westpac, Kiwibank … |
| Pricing | Free plan (source) |
| Website | payday.nz |
| Facts checked | 20 Sep 2026 |
PayDay integrations
PayDay lists 9 integrations on its own site.
- Akahu
- ANZ
- ASB
- BNZ
- Westpac
- Kiwibank
- TSB
- Rabobank
- The Co-operative Bank
Alternatives to PayDay
- PlumA broad savings and investing app with free automation and tiered upgrades.9.4
- ChipA flexible UK savings app with AI autosaves, goals, investments and quick withdrawals.9.1
- PiggyVestA free savings app with automation, targets, flexible wallets, and fixed-term options.8.9
Used PayDay? Be the first to review it
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Featured on iTechGuides
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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