For NZ freelancers, sole traders & micro-SMEs
See Your Real Business Cash in 60 Seconds.
LumiSpend sets aside the GST and tax you owe IRD, keeps an eye on your invoices and bills, and tells you what's really yours to spend.
No card needed · From $10 a month, billed yearly
Safe To Spend
The One Number to Check Before You Spend.
Your cash balance minus the GST, income tax and bills already spoken for. It moves every time you add income, an expense or a bill.
- Worked out from your real cash, not a bank feed guess
- Status at a glance: On Track, Watch Spending or Cash Is Tight
- Cash runway shows how long your money lasts
GST & Tax
Tax Time Without the Gut Punch.
LumiSpend tracks GST on every transaction and estimates your income or company tax as you go, so the money for IRD is already set aside.
- GST on your filing cycle — monthly, 2-monthly or 6-monthly
- Income tax estimate from NZ brackets, or 28% for companies
- GST return due reminders, and a GST By Month report
Invoices
Know Who Owes You, and Nudge Them.
Keep track of what clients owe you. See what's awaiting payment and what's overdue, and record payments the moment they land.
- Paid, Due soon and Overdue at a glance
- Send Reminder for overdue invoices
- One-tap Mark As Paid adds the income for you
Reports
Your Business, in Charts You'll Actually Read.
Income and expenses over time, profit by month, top categories and GST by month — for any period you pick.
- Compare periods to spot what changed
- Profit margin, cash runway and financial health
- Export & Share as PDF, CSV or Excel for your accountant
Everyday Tools
The Small Things That Save You Hours.
Receipts
Take a photo or choose from your library and attach it to the expense.
Recurring Bills
Mark a transaction as one that repeats and it's counted in Safe To Spend before it lands.
Budgets
A monthly budget per category, with Spending vs Usual to show when something's creeping up.
Smart Reminders
GST return due, low cash runway, bills and overdue invoices — a heads-up, not noise.
Financial Health
Cash runway, profit margin, invoices paid on time and tax covered, in one score.
Phone and Tablet
iPhone, Android, iPad and Android tablets, with layouts made for each screen.
Set up in 2 minutes
Four Questions, Then Your Safe To Spend.
- 1Your BusinessSole trader or company, and your business name.
- 2RegionNew Zealand rules and NZD.
- 3Tax SetupGST filing cycle and your income tax buffer.
- 4Cash BalanceWhat's in your business accounts today.
One account on your phone and your tablet — set up once, it's everywhere.
Clear about what it is
Built to Sit Beside Your Accountant, Not Replace Them.
Pricing
One Plan. Everything Included.
14-day free trial, no card needed. Prices in NZD, GST included.
Annual
Founding MemberUsually $149.99$119.99/ year
$10 a month · save 33%. Founding price, kept while you stay subscribed — offered until 31 March 2027.
Get StartedEvery plan includes Safe To Spend, GST & tax, invoices, reports, budgets, receipts, exports and reminders. If you stop subscribing, everything you've recorded stays yours to view and export.
LumiSpend Questions
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 What's Yours.
Set up in two minutes in the app. Your 14-day free trial starts with no card.
Coming Soon to the App Store