Budgeting, sorted
The Budgeting App That Connects to Your NZ Bank
SortMe pulls in every transaction from ANZ, ASB, BNZ, Kiwibank, Westpac and TSB, sorts it automatically, and builds a budget around your actual pay cycle: weekly, fortnightly or monthly. No spreadsheets. No typing in receipts at 10pm.
- average savings found
- $2,371
- households helped
- 12,000+
Set up in your browser first, then use the app day to day.
- on Trustpilot
- ★ 4.7
- bank access
- Read-only
- money-back guarantee
- 30-day
Connects securely to every major NZ bank
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ANZ -
ASB -
BNZ -
Kiwibank -
Westpac -
TSB -
SBS -
Sharesies -
Kernel -
Wise - + more, all via Akahu
Every connection runs through Akahu, using open banking APIs for most banks. Read-only access, so SortMe can never move your money.
Most budgets fail in week two. Here's why.
They're built for a tidy monthly world that doesn't exist. You're paid fortnightly, your partner's paid monthly, the power bill lands whenever it likes, and the spreadsheet you set up in January hasn't been opened since February. A budget only works if it updates itself and checks in with you when the numbers drift.
Getting set up
Set it up on a laptop, live in it on your phone
The one part that rewards a bigger screen is the beginning. You're approving bank connections, checking which accounts belong in which budget, and naming groups the way your household actually talks about money. That's a ten-minute job on a laptop and a fiddly one on a phone.
Once it's running, the mobile app is a great on-the-go companion. Most people open it each day to check their balances, see where their budgets are sitting, and glance over yesterday's transactions to be sure there's nothing odd in there. It's a nice way to stay on top of things, with the desktop there for the occasional bigger review.
How SortMe budgets
A budget that runs on your pay cycle, not the calendar
Essentials vs Lifestyle, sorted for you.
SortMe groups your spending into Household Essentials (mortgage, groceries, power, insurance) and Lifestyle Spending (eating out, streaming, the good coffee). You see at a glance what’s fixed and what’s flexible.
Cap the group, or each category.
Skip the 40-category micromanagement if you want to: put a single cap on Lifestyle Spending and let the categories breathe underneath it. Or set a cap on individual categories when one of them needs watching. Your call, either way.
Pay-cycle native.
Weekly, fortnightly or monthly: your budget resets when your pay lands, so “how much is left” always means left until payday, not left until some arbitrary month-end.
Budget Cycle Review every payday.
At the end of each pay cycle, SortMe AI reviews how it went: what blew out, what you banked, and what to tweak before the next cycle starts. Two minutes, done.
One-offs and income offsetting.
Budget the school camp fee or the car rego as a one-off without wrecking your weekly numbers, and offset side-hustle income against the categories it funds.
Built for couples
Two incomes, two pay cycles, one budget
Invite your partner into your SortMe household and you both see the same live picture: every account, every category, every cap. No more screenshotting the banking app across the couch. When one of you buys the flights, both of you see where the travel budget stands.
- Shared household view
- Both partners’ accounts and pay cycles in one budget
- Works even when one of you is paid fortnightly and the other monthly
The whole picture
A budget is where it starts. It's not where it ends.
For households like yours the budget was never really the problem. The problem is that your money lives in twelve places: the mortgage, two KiwiSavers, Sharesies, the term deposit, the business account. Nobody is looking at the whole picture. SortMe connects every part of it and surfaces, in plain language, where the next move is. Your fixed rate expires in November? You'll know months out. $14,000 sitting idle in a 0.05% account? SortMe will point at it. The cancelled subscriptions alone average $2,371 a year, and the rest is everything else, finally visible.
Cashflow Forecast
See 6–12 months ahead, with tight months flagged before they arrive, and a Cashflow Health Score that tells you how you’re tracking.
See Forecasting →SortMe AI
Ask anything about your own money (“what did we spend on the kids’ activities last term?”) and get an answer from your real transactions. It remembers context between conversations.
See SortMe AI →Real humans when you want them
Talk to a SortMe Pro about managing your money day to day, or get introduced to a vetted financial adviser when the question is about a financial product.
Talk to an expert →12,000+ households helped, 4.7 stars, $2,371 average savings found
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"What an excellent app, I love how it filters all your transactions so accurately. I don’t have to spend hours sorting things as the AI has already categorized it correctly."
MrAdasim · ★★★★★ on Trustpilot -
"SortMe is so helpful for getting a big picture view of our finances. The online meeting with Charlotte was great to get me set up."
Melissa · ★★★★★ on Trustpilot -
"Simple and easy to use. Setup allows for good level of customisation for your own needs without being overwhelmed with too many options."
Verified customer · ★★★★★ on Trustpilot -
"SortMe shows me useful insights and recommendations. It’s found spending patterns I’d missed and has helped me save. Connecting my bank accounts was easy, definitely recommend."
Nelson Shaw · ★★★★★ on Trustpilot -
"I’ve used several tools in the same category. SortMe has found a way to make household financial management tasks engaging and motivating."
Kale E · ★★★★★ on Trustpilot -
"I like that I can see all my financial transactions and accounts on one app. Highly recommended to anyone wanting to reach their financial goals."
Souai · ★★★★★ on Trustpilot
★ 4.7 on Trustpilot
Is SortMe safe? Short answer: yes. Here's the long answer.
Read-only access.
SortMe can see your transactions but can never move your money, make payments, or change anything at your bank.
Bank-grade encryption.
Your data is protected with AES-256 encryption, and SortMe has passed a Google Security Audit.
Open banking via Akahu.
Every connection runs through Akahu, New Zealand’s open finance provider, and SortMe never connects directly to your bank. For most banks Akahu uses an official open banking API, so you approve the connection inside your own banking app.
