Phase 0 · Waitlist open

Budget like a kea.

Smart, curious, and in control — the free budget tracker built for Kiwis. Coming soon to Aotearoa.

No spam. No subscriptions. Just early access.

Why KeaBudget

  • Built for Kiwis

    Made in Aotearoa for Kiwi bank accounts, Kiwi spending habits, and Kiwi dollars. No more forcing your finances into American templates.

  • Free forever

    The core app will always be free. No trials, no dark patterns, no surprise paywalls halfway through your month.

  • Genuinely smart

    Dashboards that actually make sense. Insights that tell you something new. Built with AI that works for you, not at you.

What's coming

The plan, in order. Built in the open, one phase at a time.

  1. Phase 1

    Simple budget tracking

    Drop in transactions, set categories, see where it all goes.

  2. Phase 2

    Bank statement import

    Skip the typing. Import your statements in seconds.

  3. Phase 3

    Real budgets with real alerts

    Set a limit, get a heads-up before you blow it.

  4. Phase 4

    Bill reminders

    Never get stung by a late fee again.

  5. Phase 5

    Savings goals & streaks

    Make saving feel like winning.

  6. Phase 6

    Auto-sync with NZ banks

    The big one. Transactions land automatically.

  7. Phase 7

    AI money insights

    Your own financial advisor in your pocket.

  8. Phase 8

    Share with your partner or flat

    Budget together, not against each other.

Why I'm building this

Kia ora, I'm Muhammad Bilal — a software engineer based in Auckland. I've spent years building enterprise software, and I kept wondering why budgeting apps in Aotearoa still feel either clunky, American-flavoured, or locked behind expensive subscriptions.

So I'm building the one I actually want to use. Free at the core, made for Kiwis, with the features that matter most — bank integration, real budgets, savings goals, and genuinely useful AI insights (not gimmicks).

It'll take a while, and I'm building it in the open — one feature at a time, with feedback from real users shaping what comes next. If that sounds like something you'd want in your pocket, jump on the waitlist and I'll keep you posted.

Ngā mihi,
Muhammad Bilal