Paid fortnightly or weekly
Many New Zealanders are paid weekly or fortnightly. CentsCheck budgets by the month. Set a fortnightly or weekly payday and see whether this month's budget gets you there: the Forecast to payday card shows what you are likely to have left on payday.
If your next payday falls after the budget month ends, the forecast stops at the end of the month and says so.
Log EFTPOS, card and Apple Pay spending
Paid by EFTPOS, credit card, Apple Pay or Google Pay? Log it in seconds: amount, category, done. CentsCheck doesn't connect to your bank. To catch up, import a statement from your bank and check the rows before they are saved.
CentsCheck and PocketSmith
PocketSmith, made in New Zealand, forecasts your balances on a calendar and can bring in transactions through bank feeds. CentsCheck is simpler: no bank link, you log purchases yourself, and your budget becomes one daily number. If you want long-range forecasts across all your accounts, PocketSmith is built for that.
What it costs
Safe-to-Spend, budgets, quick logging and one shared pool are free. CentsCheck Pro adds full imports, more pools, portfolio tracking and exports.
| CentsCheck Pro | App Store | Google Play |
|---|---|---|
| Monthly | NZ$9.99 | NZ$9.99 |
| Yearly | NZ$59.99 | NZ$69.99 |
| Once, for life | NZ$149.99 | NZ$174.99 |
What each store charges a new customer in New Zealand, read from the stores on 19 October 2026.
What CentsCheck doesn't do
- It doesn't connect to your bank. You log spending yourself, or import a statement or a screenshot of your banking app. The free plan saves 2 imports of up to 10 rows each.
- Your budget runs by the month. The month can start on any day, from the 1st to the 31st or the last day, but there is no weekly or fortnightly budget.
Try the sum first
The safe-to-spend calculator works out a daily number from the money you have, the bills still due and your next payday. It runs in your browser and saves nothing.