Worthberry, PocketSmith or SortMe: why we think Worthberry fits Kiwi households best
Three New Zealand-friendly money apps, three different ideas of what matters. Here's what Worthberry does differently, and where the others shine.
If you're looking for a money app in New Zealand, three names come up a lot: PocketSmith, SortMe and, as of this year, us. All three link to Kiwi banks and all three will show you where your money went. They start from different questions, though, and that shapes everything else.
PocketSmith asks what will my cash flow look like? SortMe asks how do I budget better? Worthberry asks am I getting ahead? Here's why we think that last question is the one most Kiwi households want answered, and an honest look at where the others do well.
The short version
| Worthberry | PocketSmith | SortMe | |
|---|---|---|---|
| Built around | Your whole net worth, plus budgets and spending | Cash flow forecasting and a budget calendar | Budgeting around your pay cycle |
| Free plan | Yes: Seedling, track by hand and import statements (with ads) | Yes: 2 accounts, 12 budgets, a 6-month forecast | No: a 7-day trial for $1 |
| First paid plan | Sprout, NZ$14.99 a month or NZ$164.89 a year | Foundation, $14.95 a month or US$9.99 a month billed yearly | Boost, NZ$29 a month or NZ$99 a year |
| Bank connections | Through Akahu | Bank feeds in many countries; 6 connections from one country on Foundation | Through Akahu, unlimited on Boost |
Prices and plan details as shown on each company's website on 22 October 2026. They change, so check pocketsmith.com and sortme.com for the latest.
1. One number that tells you whether you're getting ahead
Budgets are about last week. Net worth is about the next ten years. Worthberry puts what you own minus what you owe at the top of every screen and keeps it current as your accounts sync, with your bank accounts, KiwiSaver, shares and funds, crypto, your home and every loan in the same total.
That matters in New Zealand because so much of what Kiwis build sits outside the everyday account: a KiwiSaver you check once a year, a Sharesies portfolio, a term deposit at another bank, a house you've a rough idea of the value of, and a home loan and student loan on the other side. A spending tracker can't tell you whether that's all moving in the right direction. Worthberry is built to.
2. New Zealand isn't an afterthought
PocketSmith is a capable tool used around the world, and it was started here. Worthberry is built only for New Zealand (with the UK to come), which means the local details are designed in from day one:
- KiwiSaver, properly. See how close you are to the full government contribution before 30 June, what your employer puts in after tax, and (on Ripe and Harvest) what it could grow to by 65 next to NZ Super.
- Your home. Add a property with its council RV, and its value moves each year with house prices in your city or district. Link the home loan and see your equity, your rate and when it comes off its fixed term.
- Fortnightly pay. Budgets can follow your pay cycle, so a fortnight's budget starts on payday, not the 1st.
- Bills that find themselves. Anything you pay regularly from Bills & utilities shows up under Budgets with its next due date, and you can turn any payment into a bill in one tap.
- Crypto, read straight from the blockchain. Paste a public wallet address, or connect Swyftx, Kraken, Binance and others with a read-only key.
3. A real free plan
SortMe doesn't have a free plan: you start a $1 trial and it rolls onto a paid plan unless you cancel. PocketSmith's free plan is generous for budgeting but limited to two accounts. Worthberry's Seedling plan is free for good. You can track everything by hand or import statements from any NZ bank, set budgets and a goal, and see your whole net worth. Worthberry remembers the category you choose for each merchant, so your second month is quicker than your first. When you want your banks to sync by themselves, Sprout is NZ$14.99 a month, or about NZ$13.74 a month paid yearly.
4. Built to be looked at, and lived with
Your dashboard is yours: pick from line graphs, Sankey diagrams, money calendars, budget bars and more, and arrange them however you like. Want to check your numbers on the bus? Double-tap your net worth, or tap the eye, and balances blur while gains and losses show as percentages. And your data stays yours: bank access is read-only, it's never sold, and paid plans have no ads.
Where the others shine
We'd rather you picked the right app than the one with the best blog post, so here's where we think PocketSmith and SortMe are strong.
- PocketSmith is the long-range cash flow specialist. Its forecasts run from 10 to 60 years depending on the plan, its budget calendar is excellent if you like planning payment by payment, and it handles accounts in many countries.
- SortMe leans into hands-on budgeting with AI suggestions and an end-of-cycle review. Its Pro plan manages trusts, companies and other entities, which is handy if you run a business or a family trust.
If you mostly want to forecast your bank balance years ahead, PocketSmith may suit you better. If you want an AI to coach your weekly budget, or you need entities, look at SortMe. If you want to see everything you own and owe in one place, built for how money works in New Zealand, we think that's Worthberry.
Try it for yourself
Worthberry is free during the private beta. Join the waitlist and we'll let you in as soon as we can, or have a look at our plans.
Worthberry tracks your money. It doesn't give financial advice. PocketSmith and SortMe are trademarks of their owners; we're not affiliated with either.