Features

Upload a CSV export directly from your bank app. Finoa handles the format differences between banks so your transactions are imported correctly every time.

• Supports ANZ, ASB, BNZ, Westpac, and Kiwibank CSV exports
• Duplicate detection — re-importing the same file never creates duplicates
• Handles credit card and debit account formats
• Merchant name normalisation groups similar payees automatically

Your monthly finances at a glance — income, expenses, and net savings with visual breakdowns and trend lines.

• Income, expenses, and net savings for the selected month
• Per-category spending with sparklines and % change vs last month
• Click any category row to reassign transactions without leaving the dashboard
• Switch months with a single tap — full history from your first import

NZ-specific category defaults out of the box. Set rules once and Finoa handles the rest.

• NZ-specific default categories (Groceries, Petrol, KiwiSaver, etc.)
• Auto-categorise rules based on merchant name — drag to reorder, bulk delete, search
• One-tap category assignment from the transaction list
• Custom category groups (Essentials, Lifestyle, Fixed costs)
• Click a category row on the dashboard to bulk-reassign transactions inline

Label transactions across categories for grouping and filtering that cuts across the category hierarchy.

• Create any tag and apply it to any transaction
• Filter the transaction list by tag
• Filter CSV exports by tag — handy for business expenses or reimbursements
• Tax report filters by tag to separate business and personal spend

Set spending limits per category and track real-time progress through the month.

• Per-category monthly spending limits
• Real-time progress bars — see exactly where you stand
• Over-budget alerts when spending is on track to exceed a limit
• Budget roll-overs — unused budget carries forward to the next month

Link a savings goal to an account and track progress toward a target amount.

• Set a target amount and optional target date
• Link to a specific account to track contributions automatically
• Progress bar shows how close you are to your goal

A complete snapshot of your financial position — assets, liabilities, and account balance history.

• Manual entry for assets and liabilities (property, KiwiSaver, loans)
• Account balances pulled from your imported transactions
• Net worth calculated and tracked over time

A full NZ financial year summary — useful for tax time and year-on-year comparison.

• Full-year income and expense summary aligned to the NZ tax year (1 Apr – 31 Mar)
• Monthly bar chart for the full FY
• Tax report: total income, deductible expenses broken down by category
• Filter by tag to isolate business expenses from personal spending

Invite your partner or flatmates to a shared dashboard. Everyone sees the same transactions, categories, and budgets.

• Invite up to 5 members by email
• Shared transaction history, categories, and budgets
• Member roster with pending invites, resend, and revoke
• Separate dashboards for different properties or accounts

Blur every amount on screen with one tap — useful when working in public or sharing your screen.

• Blurs all monetary values across the entire app instantly
• Toggle on or off with a single tap from the nav
• Persists across page refreshes

Add a second layer of protection to your account using any TOTP authenticator app.

• TOTP-based 2FA compatible with Google Authenticator, Authy, 1Password, and others
• One-time backup codes for account recovery
• Enable or disable 2FA from Settings at any time

Sensitive transaction data is encrypted before it ever reaches our database.

• AES-GCM field-level encryption for transaction descriptions, notes, and merchant names
• Per-household encryption keys — no cross-household data access at the infrastructure level
• Finoa staff cannot read your transaction descriptions
• No advertising. No data selling. Ever.