April Budget
13 days remaining · Synced via Akuha
Apr 2026
Net Income
$9,250
↑ after tax (PAYE)
Spent So Far
$4,834
of $8,100 budget
Remaining
$3,266
59.7% of income left
Daily Run Rate
$278
↑ $42 above safe pace
Dining 34% over budget
$480 spent vs $360 budget. You've eaten out 11× this month. At current pace: $680 total.
Utilities under control
$148 spent — $52 below your April average. Mercury Energy direct debit is your biggest bill.
KiwiSaver milestone
Your balance hit $42,800 this week. On track for member tax credit of $521 by June 30.
Category
Progress
Spent
Budget
Status
Housing & Rent
ANZ · Direct debit
$1,547
$1,600
● 97%
Food & Dining
11 transactions
$480
$360
↑ +$120
Transport
Z Energy, AT HOP
$315
$450
● 70%
Utilities
Mercury, Chorus
$328
$400
● 82%
Subscriptions
Neon, Spotify, Adobe
$123
$140
● 88%
Groceries
Countdown, Pak'nSave
$497
$800
● 62%
Health & Medical
GP, pharmacy
$220
$400
● 55%
KiwiSaver
4% employee contribution
$370
$370
● Auto
Savings Transfer
Auto to Westpac
$1,189
$1,650
● On track
+ Add a new category
Month Cash Flow
Income → Expenses → Savings
$9,250
Income
→
$4,834
Expenses
→
$370
KiwiSaver
→
$1,189
Saved
→
$3,227
Remaining
Recent Transactions
Via Akuha · ANZ + Westpac
Wagamama Wellington
−$68.50
Z Energy Kilbirnie
−$95.00
Salary — ACME Corp
+$4,625
Mercury Energy
−$148.00
Pak'nSave Porirua
−$184.30
12-Month Forecast
Apr 2026 → Mar 2027 · Based on Akuha spending patterns
Projected Net Savings · 12 months
$24,840
at current realistic scenario
$111,000
projected income
$86,160
projected expenses
22.4%
savings rate
Pessimistic
$12,360
Spending increases 8%/month. One income disruption. No budget adjustments.
Realistic
$24,840
Maintain current spending with minor improvements. Salary +3.2% in July.
Optimistic
$38,200
Cut dining 40%, eliminate idle subs, salary increase applies fully.
Cumulative Savings Projection
Actual vs forecast · NZD
Projected savings
Projected spend
KiwiSaver
Forecast Assumptions
Adjust to tune your projection
Monthly income (after tax)
Current: $9,250 NZD
$9,250
Expected salary increase
Annual % (applies July)
3.2%
Spending growth rate
Monthly inflation on expenses
0.5%
Monthly savings target
Minimum to set aside
$1,650
KiwiSaver contribution
Employee rate (pre-tax)
4%
One-off annual expenses
Insurance, rego, etc. (Dec)
$1,800
Category Forecast
Projected total over period
All Transactions
Live from ANZ & Westpac via Akuha
Today · 15 April 2026
Wagamama Wellington
−$68.50
Z Energy Kilbirnie
−$95.00
Yesterday · 14 April 2026
Salary — ACME Corp Ltd
+$4,625.00
Mercury Energy NZ
−$148.00
Pak'nSave Porirua
−$184.30
Customs Brew Bar
−$8.50
13 April 2026
Island Bay Medical Centre
−$55.00
Snapper / AT HOP Top-up
−$50.00
Neon (TVNZ+)
−$19.99
KiwiSaver Contribution
−$370.00
Your KiwiSaver
Milford Growth Fund · IRD linked · Updated daily
Current Balance
$42,817
Milford Growth Fund · Member since 2018
Your contributions (YTD)
$1,480
at 4% employee rate
Employer match (YTD)
$1,480
3% employer min
Member tax credit
$394 / $521
Jun 30 deadline
Projected at 65
$428k
at 6% avg return
Annual return (12m)
+8.2%
vs 6.1% fund avg
Days to MTC threshold
76
Need $127 more by Jun 30
First Home eligible
2028
After 5yr lock-in period
Projection Simulator
Adjust to model your retirement balance
Current balance
NZD
$42,817
Employee contribution
3%, 4%, 6%, 8%, or 10%
4%
Gross annual salary
NZD (pre-tax)
$120k
Expected return
Annual fund growth %
6%
Years to retirement
Age 65 target
30 yrs
Projected balance at 65
$428,000
Based on 30 yrs at 6% return · Includes employer match
NZ Fund Types
Compare risk profiles
Defensive
Low risk · Mostly bonds
~3–4%
Conservative
Low-med risk · Mixed assets
~4–5%
Balanced
Med risk · 50/50 shares
~5–7%
Growth
Higher risk · Mostly shares
~6–9% ← You
Aggressive
High risk · 100% shares
~7–11%
💡 MTC tip: Contribute at least $1,042.86 per year to receive the full $521.43 Member Tax Credit from the IRD — free money.
PAYE Calculator
NZ income tax · 2025–26 rates · IRD compliant
Enter your income
Annual gross salary in NZD — we calculate your take-home
Annual gross salary
Pay frequency
Student loan
Tax breakdown
2025–26 NZ PAYE rates
Take-home summary
With KiwiSaver & ACC levy
Cost of Living
NZ city benchmarks · Updated Q1 2026
Auckland is 18% pricier
Housing costs average $2,450/mo vs Wellington's $1,820. Groceries are similar across cities.
Your spending vs Wellington avg
Your housing ($1,547) is below the $1,820 Wellington median. Transport is above average.
NZ inflation at 2.5%
Food prices up 3.1% YoY. Energy costs stabilised after 2024 peak. Rents rose 4.2% nationally.
How your budget compares
Your spend vs Wellington median household