Finance Tracker
Private account · NZD · Veloz
Your money, safely tucked away.
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Tip: use this only on HTTPS. Cute tracker, serious data.
Good morning!
Here's your financial snapshot ✨
Monthly cash flow
Total Net Income Expenses Balance
Expense breakdown
Savings trajectory (after tax)
Cumulative savings incl. KiwiSaver
Income sources (annual)
Income & Tax
NZ IRD PAYE 2024/25 · All figures are take-home (after tax + ACC)
NZ PAYE is applied to your gross salary. If you have a side-hustle, add it in the Sole Trader tab.

Your PAYE income

Annual figures (auto-calculated)

NZ PAYE tax breakdown

Sole Trader Business
Track your self-employed side hustle or main business

Business Performance

Net Business Profit (Taxable) $0
Your net business income is added to your PAYE salary to calculate your total NZ tax obligations. Check the Tax Summary tab to see the final breakdown.
Business Impact on Cashflow
Monthly added to income+$0
(After marginal tax & ACC)
Monthly Expenses
Edit any figure — charts and totals update instantly

Housing

Living expenses (Monthly)

Ad-hoc / Annual Travel

Equivalent to amortized $167 per month.
Total monthly expenses —
Expense split
% of total net income
Monthly Tracker
Enter ad-hoc income or one-off expenses per month
MonthNet IncomeAd-hoc IncomeTotal In Base ExpensesAd-hoc ExpTotal OutMonthly Balance
Balance by month
Annual KiwiSaver contributions
Your contribution Employer 3% Govt tax credit
Investment Portfolio
Track all your assets — property equity, KiwiSaver, stocks, cash
Property
KiwiSaver balance
Other investments
Portfolio allocation
5-year projection
KiwiSaver Stocks Cash+Other
💎 Wealth Goals
Set your target and watch the magic happen

Your goal

Progress to goal
0%25%50%75%100%
Wealth growth projection to goal
NZ Tax Summary
IRD Tax 2024/25 · Merged PAYE & Sole Trader Income

Annual Combined Tax Breakdown

Progressive vs effective rate
Tax by income band