![]() PocketSmith allows you to quickly see your spending habits over time. This makes it notable among other entries here which usually force you to pick one time period. You can break down your budget over periods ranging from daily through to monthly. It provides forecasting, scenario testing, and general budget tracking. PocketSmith is available as an online tool as well as an app. Recommended for: Building your initial budget and keeping it updated. Sheets is highly adaptable and can be used in a variety of ways, but for budgeting, it’s best to use it for building a budget rather than tracking it. This means that no matter how you like to build a budget, there’s probably a Google Sheets template out there for you. One of the biggest benefits of Google Sheets is that there are a large number of community templates for it, including budgets. Google Sheets is a free Google product that people use as an alternative to Microsoft Excel for everything from reports at work through to household budgets. Recommended for: Budgeters who want a broad budget builder with more flexibility. You may also want to consider finding a budget tracking tool for everyday purchases. This makes it useful for getting started. It also has some other useful tools for budgeters, such as the PAYE calculator. ![]() It’s a highly user-friendly offering with lots of options to customise, and even suggests how much you could put towards each budget category once you get started. Recommended for: New budgeters who want to make their first, broad budget It’s best to pair this tool with another budget creation method to get into the details, as well as investing in a budget tracking tool for everyday purchases. provides a simple, easy-to-use budgeting planner that is excellent for making a first, broad budget. Recommended for: Beginners or those who want to get a simple overview of their spending without extra effort. These tools are a good entry-level point for new budgeters or those who just want a general overview of their spending. If you’re signed up with a New Zealand bank, they may already have a budgeting tool ready for you to use. If you’re sick of seeing “Not Available in your Country”, we’ve put together a list of 7 free budget building and/or tracking tools that we think are perfect for savers in Aotearoa. You can also add your accountant as a limited user so they can securely access the information they need.There are plenty of fantastic, free budgeting apps out there - but not many of them work in New Zealand. Wave uses authentic double entry accounting software so your church expenses are accurately recorded and coded, making it easy to hand off year-end reports to your accountant at tax time. Wave also uses physical and digital protection to keep the church’s money safe. With Wave you can connect your bank accounts in seconds for automatic transaction reconciliation, and make it convenient for people to contribute with online donations. Focus on what mattersįree up your time from business and money matters so you can focus on helping the less fortunate in your community. You can categorize costs, and compare fundraising numbers, yearly donations, and services provided so you can find opportunities to do even more good work. ![]() Our expense tracking and business reporting makes it easy for you to understand your church’s finances. You can quickly get them up to speed to help find cost efficiencies and make the most of the church’s resources. Share the financial dutiesĮasily add limited permissions so board members, volunteers, and other members of your congregation can use their expertise to help manage the Church’s finances. You’ll also experience peace of mind of knowing your church’s information is backed-up and secure. Use expense tracking and customized reports to manage accounts payable, categorize expenses, and find cost-cutting opportunities. Get a big picture view of your church’s financial position with easy-to-understand graphs, charts, and dashboards. Simplify your accounting by creating a free Wave account and add on the features you need, such as unlimited bank account connections, payroll services, and real-time donation updates. From donations and tax receipts, to fundraising, taxes, and room rental, churches can have complex accounting requirements.
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