For international students in New Zealand
Study Here. Live Well. Know What's Safe to Spend.
LumiSpend Student turns rent, bills, groceries and part-time pay into one clear daily number — with the New Zealand know-how you didn't arrive with.
From $4.17 a month, billed yearly · No card to start
Everything in one app
Less Money Stress, More Time for Study.
Safe To Spend
A daily number you can trust, worked out from your real cash after the bills that are coming up.
Budgets & Savings Goals
Set a budget per category and save towards a goal with a target date — a trip home, a laptop, next semester.
Bill Reminders
A nudge before rent, power and phone bills are due, so nothing catches you out.
Health Score & Runway
See at a glance how your money is doing, and how long your cash will last at your usual spend.
Reports & Exports
Where your money goes by category, how this month compares, and exports when you need them.
Works Offline
Add an expense on the bus with no signal — it syncs as soon as you're back online.
The NZ toolkit
The Local Know-How, Built In.
Four calculators for the questions every new student in New Zealand asks in their first few months.
Work Hours
Log your shifts and see how close you are to your visa's weekly limit — most NZ student visas allow up to 25 hours a week during study. Always check your own visa conditions.
Rent Affordability
Check whether a flat's weekly rent fits your income before you sign anything.
PAYE Calculator
Turn an hourly rate into what actually lands in your bank account after tax.
Cost of Living
See what everyday life costs where you study, and plan your budget around it.
Couple mode
Here With a Partner? Plan It Together.
Invite your partner from Profile → Household. Share expenses and goals, see who paid what, and both know what's safe to spend. One Couple plan covers you both.
Pricing
Less Than a Coffee a Month.
7-day free trial, no card needed. Prices in NZD, GST included.
Every plan includes the whole app. Cancel anytime. If you stop subscribing, everything you've recorded stays yours to view and export.
Student Questions
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.
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.
How Many Hours Can I Work on a Student Visa?
Most NZ student visas allow up to 25 hours a week during study — always check your own visa conditions. LumiSpend Student tracks your shifts against the limit you set.
How Does the Couple Plan Work?
One Couple plan ($8.99 a month or $89.99 a year) covers you and one partner in the same household. Invite your partner from Profile → Household to share expenses and goals.
Settle In With a Number You Can Trust.
Download LumiSpend Student — your 7-day free trial starts with no card.
Coming Soon to the App Store