Spend Overview
Track your spending automatically, know where every dollar went
Spend Overview pulls every transaction from every connected account (ANZ, ASB, BNZ, Westpac, Kiwibank, TSB and more) and sorts it automatically. You read the story; you don't write it.
- on Trustpilot
- ★ 4.7
- bank access
- Read-only
- money-back guarantee
- 30-day
Auto-categorisation
Auto-categorised, with AI for the weird ones
The obvious transactions sort themselves. Then there are the awkward ones: the merchant with a cryptic name, the one-off from a market stall. AI works out what those were and files them. Income gets the same treatment: salary, side-hustle payments and IRD transactions (tax refunds, provisional tax) are recognised and categorised on arrival.
- Auto-categorisation across all connected accounts, with AI fallback for the ones rules can't catch
- IRD income auto-categorisation: refunds and credits filed correctly, not lumped in as "income, misc"
- Transfer detection: money moving between your own accounts isn't counted as spending, so your totals stay true
Tags, notes, attachments
Your labels on top of our categories
Categories answer "what kind of spend was this?" Tags answer your questions: which spends belong to the side hustle, the rental, the trip you're splitting with friends. Add a note to remember why, attach the receipt or invoice, and it's all there when you need it, or when your accountant does.
- Tags with central management: rename or merge a tag once, it updates everywhere; apply in bulk
- Notes and attachments on any transaction: receipts, invoices, "this was Mum's birthday dinner"
- Filter by bank account when you only want one slice of the picture
Upcoming transactions
The next two weeks, before they hit your account
Spend tracking that only looks backwards tells you off after the fact. The upcoming-transactions view shows the next two weeks of expected bills and payments, so the insurance premium landing Thursday isn't a surprise on Friday. Over-budget indicators tie it back to your budget in real time, and if you want to see further out, Cashflow Forecasting takes the same data 6–12 months ahead.
- 2-week upcoming-transactions view built from your recurring payments
- Over-budget indicators show which categories are running hot, mid-cycle
- Works across every connected account in one view
Export
CSV export, accountant-ready
When tax time comes, export any date range to CSV with categories and tags intact. If you've tagged your side-hustle spending all year, the year-end job is a download, not a weekend.
Accountant-ready export is part of SortMe Pro, along with separate books for a trust, rental or business and the one-click end-of-financial-year pack.
