The only NZ app built
for early retirement.

Other apps track your spending. Fireball tracks your path to financial independence — automatically, using your real NZ accounts.

Choose one app for a clear, feature-by-feature comparison.

FeatureFireballPocketSmith

NZ Money Picture

Built around NZ money
banks, KiwiSaver, local habits
NZ + FIRE
Available
Bank + KiwiSaver sync
open banking connection
Available
Available
Net worth beyond bank accounts
property, assets, debts, FX
Deep
Available

FIRE Engine

FIRE number + years-to-FIRE
not just a spending report
FIRE-builtCash flow
FIRE styles and assumptions
Lean, Fat, Coast, Barista
Available
Not available
NZ Super + withdrawal planning
retirement income modelling
Available
Not available
Home-aware FIRE net worth
separates investable wealth
Available
Manual

Daily Control

Safe-to-spend + savings rate
today and long-term in one view
Available
Safe balance
Upcoming payments & income
detected or scheduled recurring activity
Detected + manualCalendar
Projected account balances
see where an account balance may be heading
3–30 daysLong-range scenarios
Switch budgeting styles
single, flex, category, zero-based
4 approachesCategory + periods
Goals protected inside budgets
reserve money before spending
Available
Not available
Rich transaction records
notes, attachments, splits and refund matching
Notes + files + matchNotes + files + split

Insights & Monitoring

Financial highlights + trends
FIRE, cash flow, savings and net worth
Highlights + trendsDashboards
Long-term history & trends
retained activity powers charts that grow over time
While account activeRetained
Custom category + tag monitors
history or from-now tracking with exact matches
History + from nowSaved searches
Configurable financial notifications
budget, transaction, account health, projected balance
Push + inboxBalance widget

Automation & AI

Transaction automation rules
rename, categorise, split, tag or link goals
Multi-actionFilters + rules
Categorisation assistance
suggest, review and automate
AI reviewAuto + rules
AI chat with money context
budgets, FIRE, accounts, merchants
Available
Not available
CSV import, duplicate review + undo
recover from messy real-world data
Review + undoCSV

Value

Price (NZD approx.)
$10.99/mo or $99/yr
30% off first year for eligible new web customers
~$220
NZD
Free trial
14 days
Eligible new customers
Free plan

Features based on publicly available product information reviewed August 2026. History retention refers to transactions after import; the initial bank-feed lookback depends on the institution and connection provider. USD prices converted at ~1.65 NZD.

Check trial eligibility→Card required · 30-day guarantee on the first paid web charge