Private by design · Beta opening soon

You shouldn't have to stress about your finances.

Money Neko automatically splits, saves, and invests your income stream. 

Join the beta → Not ready? Join the waitlist

You can wait or you can decide to try something different today.

Example split
Your pay comes in. It splits itself, automatically.
Your pay
100%
→
Bills · 35%
Tax · 20%
Investment · 20%
Entertainment · 15%
Emergency fund · 10%
A clear, private view
Money Neko

It's your financial data and we respect your privacy.

No one else can see your values, including the app developers.

What you see
Available today
$1,842.60
Recent transactions
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What we see
Available today
*****
Recent transactions
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Founder
Why I built this

I'm a neuroscience graduate that taught herself how to invest.

In uni, I realised most people around me didn't know how to invest. Two years being obsessed with this problem, I realised it's personal finance in general. 

The things I've tried so far: 
1. Investment learning app 
2. Loyalty points to fractional shares
3. Automated finance/investing (current model but new idea on how this works two days ago!!)

— Eva 麻耶 Lloyd, Money Neko Founder. 

VALUES WE REFUSE TO COMPROMISE

3 Promises To You:

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See what waiting costs you

Most NZ savings accounts still don't beat inflation — even the good ones.

NZ inflation is running at 4.1%. As of August 2026, the best 5-year term deposit in the country (Rabobank, 4.90% p.a.) works out to roughly 3.53% after tax — still below inflation, and it needs a $1,000 minimum deposit to even get that rate.

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Over 5 years, starting from a $1,000 balance · illustrative estimate, not financial advice.
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If Money Neko handles it {{ investedFormatted }}
That's {{ deltaFormatted }} more than the best bank rate NZ currently offers, after tax.
How it works

Keep It Stupidly Simple. 
Layer on complexity later. 

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The cost of waiting

The earlier you start, the earlier you can stop and you'll still be ahead.

Look up "compounding interest" and you'll quickly learn why. 

Only 10 people per intake

Waiting for the right time is already too late.

After talking to hundreds of people about their finances, the mismatch I see is younger people saying "I want to do it when I have more money" and older people saying "I wish I did it earlier". It's up to you what you take from that. 

We're building something we haven't shown anyone yet.

Think NEW financial system that's simple but customisable.

It's staying under wraps until we know it's ready for the rest of NZ so beta testers are the only people who get to see it first, 10 at a time, so we can actually pay attention to each person using it.

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