Made in New Zealand, for New Zealand
Know What's Safe to Spend.
LumiSpend takes your income, expenses and bills, sets aside what you owe, and shows the money you can really use. One idea, two apps — for freelancers and small businesses, and for students.
- No card to start your trial
- iPhone, iPad and Android
- Your data stays yours to export
Two apps, one promise
Pick the LumiSpend That Fits Your Life.
Both apps answer the same question — how much can I spend today without getting caught short? — and each is shaped around the people using it.
LumiSpend
Cash-flow clarity for New Zealand freelancers, sole traders and micro-businesses. GST and tax set aside automatically, invoices chased, and your real business cash in about a minute.
LumiSpend Student
For international students settling into life in New Zealand. Budgets, bills and savings goals, a visa work-hours tracker, rent and PAYE calculators — and a Couple plan for sharing money with a partner.
How Safe To Spend works
Your Bank Balance Isn't All Yours. LumiSpend Shows the Part That Is.
Start from the cash you really have, take off what's already spoken for, and what's left is safe to spend. It updates every time you add income, an expense or a bill.
- 1
Cash Balance
Your opening balance plus everything in, minus everything out.
- 2
Minus GST and Tax
Estimated from New Zealand rates and set aside for IRD.
- 3
Minus Bills Due
Rent, subscriptions and anything recurring that's coming up.
= Safe To Spend
The number to check before you spend.
LumiSpend for business
See Your Real Business Cash in 60 Seconds.
Built for freelancers and micro-SMEs who'd rather do the work than wrestle accounting software.
Set Aside for IRD, Automatically
Know Who Owes You
Charts Your Accountant Will Love
GST & Tax, Set Aside
GST returns and an income or company tax estimate, ready for IRD — so tax time is never a surprise.
Invoices That Get Paid
Track what's outstanding and overdue, get reminders, and mark an invoice paid in one tap.
Reports, Budgets, Exports
Cash flow, profit margin, cash runway and budgets by category. Export to PDF, CSV or Excel for your accountant.
Receipts in One Place
Snap a receipt and attach it to the expense, so the paper trail is there when you need it.
Reminders That Matter
A heads-up before bills, GST due dates and overdue invoices — not a stream of noise.
Phone and Tablet
iPhone, Android phones, iPad and Android tablets — each with a layout made for the screen.
LumiSpend Student
New Country. New Costs. One Number You Can Trust.
Rent, groceries, part-time pay and visa work limits — LumiSpend Student keeps it all in view while you study in New Zealand.
Work-Hours Tracker
Stay inside your student visa limit.
Rent Affordability
Check a flat before you sign.
PAYE Calculator
Know your take-home pay.
Couple Mode
Share costs with a partner.
Pricing
Simple Plans. Try It Free First.
Every plan includes everything in the app. Prices in NZD, GST included. Cancel anytime.
LumiSpend
Freelancers, sole traders & micro-SMEs
Usually $149.99$119.99/ year
$10 a month · save 33%. Founding price, kept while you stay subscribed — offered until 31 March 2027.
- Safe To Spend, worked out from your real cash
- GST returns and tax set-aside, ready for IRD
- Invoices with reminders and one-tap Mark As Paid
- Reports, budgets, receipts and exports
- Reminders before bills, GST and overdue invoices
No card to start. Subscribe in the app during your trial or any time after.
LumiSpend Student
International students in New Zealand
$49.99/ year
$4.17 a month · save 30%
- Safe To Spend, worked out from your real cash
- Budgets, savings goals and bill reminders
- Financial health score and cash runway
- NZ toolkit: PAYE, rent, work hours and cost of living
- Upgrade to Couple any time to share with a partner
No card to start. Subscribe in the app during your trial or any time after.
Subscriptions are handled by the App Store or Google Play. If you stop subscribing, everything you've recorded stays yours to view and export.
Questions, Answered
Which App is Right for Me?
If you earn money from your own work or business and charge GST or pay provisional tax, choose LumiSpend. If you're an international student managing day-to-day living costs, part-time pay and visa work hours, choose LumiSpend Student.
Is LumiSpend Accounting Software?
No. LumiSpend gives you cash-flow visibility and estimates the GST and tax to set aside. It doesn't file returns with IRD — your accountant or myIR does that, and LumiSpend's exports make it easier.
How Does the Free Trial Work?
Your trial starts when you create an account in the app — 14 days for LumiSpend, 7 days for LumiSpend Student — with no card needed. Subscribe any time during or after it to keep adding and editing.
What's the Founding Member Price?
Subscribe to LumiSpend Annual on or before 31 March 2027 and pay $119.99 a year instead of $149.99 — and keep that price for as long as you stay subscribed.
Can I Cancel Anytime?
Yes. Plans renew automatically until you cancel. Cancel in your App Store or Google Play subscription settings at least 24 hours before it renews.
What Happens to My Data If I Stop?
Everything you've recorded stays yours to view and export. You can also delete your account and its data from Settings at any time.
Stop Guessing. Start Knowing.
Download LumiSpend or LumiSpend Student and see your Safe To Spend today.
LumiSpend
Coming Soon to the App StoreLumiSpend Student
Coming Soon to the App Store