Personal & business expenses
The Expense Tracker App for Personal and Business Spending
See where every dollar went across both sides of your money. SortMe syncs every transaction from ANZ, ASB, BNZ, Kiwibank, Westpac and TSB, categorises it with AI, and keeps the business spending tagged and separate from the weekly shop, without you typing in a single receipt.
The average user finds $2,371 in savings. 12,000+ households helped · 4.7★ on Trustpilot.
- on Trustpilot
- ★ 4.7
- bank access
- Read-only
- money-back guarantee
- 30-day
Every major NZ bank, synced automatically
-
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, always.
Manual expense tracking dies by Thursday. Automatic tracking doesn't.
Every expense-tracking method that required manual entry fails the moment life gets busy. The notes app, the shoebox of receipts, the app you have to open after every coffee. SortMe flips it: your banks feed it, AI sorts it, and your only job is to glance at the answer. Transaction reports make understanding your cashflow quick and painless.
What gets tracked, and how
Every dollar, filed properly
AI categorisation that gets NZ.
Countdown is groceries, Z is fuel, and your IRD payments and refunds are recognised and categorised automatically, income included. When something’s ambiguous, AI works it out from context.
Spend Overview.
One screen for the current pay cycle: what’s come in, what’s gone out, which categories are running hot.
Notes and attachments on any transaction.
Photograph the receipt, staple it to the transaction, add a note (“client lunch, deductible”). It’s there at tax time, exactly where it should be.
Tags, in bulk.
Tag anything (#renovation, #sidehustle, #holiday2026), apply tags in bulk, and manage them all from one place. Your reporting, your labels.
Filter by account, or by entity.
Look at just the joint account, just the business card, or just one entity’s books, in a tap. Handy when the business spending and the groceries share a bank feed.
Transfer detection.
Moving money between your own accounts isn’t spending, and SortMe knows it, so no more double-counted “expenses” polluting your totals.
Accountant-ready
An end-of-year export your accountant will love
One click exports your transactions to CSV with every category and tag intact. Side-hustle expenses tagged through the year, receipts attached, IRD income already identified. Your accountant gets order instead of archaeology, and you stop paying professional rates for data entry. Running a sole-trader operation, rental or company alongside personal money? SortMe Pro keeps them as separate books with deductible tagging and a one-click End-of-Financial-Year pack.
See SortMe Pro →Personal & business
Keep business expenses separate, even from the same account
If you contract, freelance or run a side hustle, plenty of your business spending goes on the personal credit card. SortMe Pro lets you set those transactions apart as they happen and keep them in their own set of books beside your personal money, so the Shopify payouts, the courier fees and the home-office share are already separated when end of financial year arrives.
You tag a deductible in the moment it appears rather than reconstructing it in April, and spends over $500 prompt you to photograph the receipt while you still remember what it was for. Come end of financial year, your accountant gets one pack in the format they asked for.
- Separate books per entity: trust, LTC, company, sole-trader operation.
- Deductible tagging as you spend, from any account.
- Receipt prompts on $500+ spends, attached to the transaction.
- One accountant-ready export per entity at year end.
SortMe Pro tracks and prepares, so it stops short of invoicing, payroll and GST. If you run a trading company with staff, keep your accounting software and let SortMe handle the record keeping around it.
See how SortMe Pro handles entities →
The leak finder
The expenses you forgot you had
SortMe's AI subscription detection finds the recurring charges hiding in your statements: the streaming service nobody's watched since summer, the app that renewed itself again. It's smart enough to skip look-alikes such as Afterpay instalments. On average, users find $2,371 in cancelled subscriptions.
Beyond tracking
Seeing where it went is step one. Knowing what to do next is the point.
Tracking shows the grocery bill is up 18%. SortMe goes further: it looks across everything you've connected (accounts, mortgage, KiwiSaver, investments) and surfaces, in plain language, what that means. Ask SortMe AI anything about your own spending ("how much did the bach trip really cost?") and get an answer from your real transactions, with context remembered between conversations. When the question outgrows an app, SortMe connects you with a vetted human adviser. That's the difference between a tracker and a financial concierge.
12,000+ households stopped guessing where it all goes
-
"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
Safe to connect. Impossible to spend from.
Read-only access
SortMe can see transactions but can never move your money or make payments.
AES-256 encryption
Bank-grade encryption; passed a Google Security Audit.
Open banking via Akahu
Every connection runs through Akahu, New Zealand's open finance provider. For most banks that's an official open banking API, so you approve it inside your own banking app.
