We work out what you can afford. Then we move it.
Reallo is a New Zealand automatic-savings app. Here is exactly how it works: it connects to your bank, works out what your cashflow can spare without leaving you short, and moves it to wherever you chose, automatically.
Connect your bank
Connect your NZ bank in under 90 seconds through Akahu, New Zealand's open banking platform. Your credentials never touch our servers, and money only ever moves to a destination you set up yourself.
We work out what you can afford
Reallo looks at your cashflow and works out what you can genuinely spare this cycle, once your everyday essentials are covered. It keeps a safety buffer it never crosses. You never choose an amount or do the maths.
We move it where you chose
Every dollar Reallo moves goes to the destination you picked once: cash, KiwiSaver, or investing. You don't transfer, you don't decide each time. It just happens.
Built to run on its own.
Connect once, and Reallo works out what you can spare and moves it, automatically, every cycle.
Live Bank Sync
Your money, live.
Connect any major NZ bank in 90 seconds through Akahu's secure bank connections. Encrypted and in your control, always up to date.
Forgotten subscriptions
Spot what you've stopped using.
Reallo surfaces the recurring charges you've forgotten, plus duplicates and overlaps. Cancel them and there's more headroom to move toward your future.
Reallo moves it
You do nothing.
Every dollar Reallo moves goes to the destination you chose, automatically, every cycle. You never transfer, you never decide each time.
It works out what you can afford.
Reallo looks at your cashflow and works out what you can genuinely spare this cycle, once your everyday essentials are covered. It keeps a safety buffer it never crosses, and only ever moves what's free above it. You never choose an amount or do the maths.
You're never left short.
Reallo learns what your everyday spending needs and treats that as a line it never crosses. Only the slack on top ever moves. On a tight week there's less slack, so Reallo moves less or nothing, and the money you need for the essentials is never the money that moves.
Illustrative only.
Money that moves with a reason.
Every dollar comes with the reason it moved, because eating out was lower, because a quieter week, plus a running tally of this month and last. Money moving on its own never feels random.
Ready to let Reallo build your future?
Join the waitlist and we'll be in touch as soon as Reallo is open.
Join the waitlistBank-grade encryption · Never holds your money · NZ owned and operated