Introduction
FFFFinance gives you a complete picture of your personal finances in one place. Connect your NZ bank accounts, see where your money goes, track your net worth over time, and plan ahead with confidence.
It's personal finance the way it should be — clear, fast, and built for you.
What you get
FFFFinance connects to your NZ bank accounts through the Open Banking API and pulls everything into one place.
- Live bank sync — ANZ, ASB, BNZ, Kiwibank, Westpac. Balances and transactions, updated automatically.
- Smart categorisation — transactions are auto-classified by Freddy, our agent. Or categorise them yourself.
- Budgets and spending — set monthly targets, track actuals, see where you're over.
- Net worth tracking — assets minus liabilities, charted over time. Watch the line go up.
- Cashflow forecasting — income vs expenses with trend projections so you're never surprised.
- NZ tax — income tax brackets, GST at 15%, provisional tax dates. All baked in.
- 8 chart types — Sankey flows, 3D scatter, heatmaps, radar, bump charts, and more. Your data, visualised properly.
Get started in 60 seconds
- Sign in at me.ffffinance.org with your Google account
- Connect your bank through Akahu — takes about 30 seconds
- That's it — your dashboard populates automatically
No downloads. No installs. No credit card.
Desktop app
A desktop version with local AI and on-device storage is available by request for beta testers. Get in touch if you're interested.
Ready to go? Head to the Quick Start.