How Reallo actually works
The whole idea in five minutes. Reallo works out what your cashflow can spare, then moves it toward your future, automatically.
Reallo doesn't ask you to save. It asks for nothing.
Connect
Reallo connects to your bank through Akahu, New Zealand's open banking platform. It can see your transactions and move money to a destination you set up yourself, but it never sees your login, never holds your money, and you can disconnect any time.
It reads your real cashflow: what comes in, what goes out, and what your everyday life actually costs. Not a budget you have to set.
Work out
From your cashflow, Reallo works out what you can genuinely spare this cycle, once your everyday essentials are covered. Some cycles that's a lot. A quieter week, a takeaway you skipped, a subscription you forgot about, all of it leaves more room. Some cycles it's barely anything.
You never choose an amount or do the maths. Reallo works it out, scaled by a keenness dial you control.
Move
Every dollar Reallo moves goes to a destination you chose: cash, KiwiSaver, an investment account, or a split across them. You pick the destination once. From then on, Reallo just moves what you can spare, on its own, every cycle.
You're never left short
Reallo learns what your everyday spending needs and treats that as a line it never crosses. It only ever moves what's free on top. On a tight week there's less to spare, so it moves less or nothing. The money you need for rent, petrol and groceries is never the money that moves.
No budgets. No transfers. No willpower. Your future builds quietly in the background.