You're earning, paying the bills and thinking about the future. But is your money taking you where you want to go?
Apex Money brings your everyday money, savings goals, mortgage, other debt and KiwiSaver into one clear plan, built around your life.
No bank login needed. NZ$7.99 a month or NZ$79.99 a year for founding members. Cancel anytime.
Not sure where to start? Take the two-minute money quiz
Clarity where it matters.
A lot of possibility.
You're managing everyday life. You'd like a clearer idea of what your money could do next.
The bills are paid, but you're not always sure what's left or whether you're getting ahead.
You're saving, paying off a mortgage or clearing a loan, and want to understand what different choices could change.
You have things you want to do. You'd like a plan that connects the money you earn today with the life you're working towards.
You don't need to have it all figured out. You need a place to start.
New Zealand research found 66% of women correctly answered three or more financial literacy questions, compared with 57% of men. Yet women still report feeling less confident about money.
The knowledge is there.
Apex Money gives it a structure.
Source: Financial Services Council, Women and Finance in New Zealand, 2025.
Answered three or more financial literacy questions correctly.
Covering the bills is one part of the picture. Making room for savings, getting ahead on your mortgage and planning for later in life is another.
You might be wondering where your money could go further, or simply where to start.
Apex Money shows you how your everyday choices, savings, mortgage and KiwiSaver fit together, so you can try out options and give your money a clearer direction.
Make a plan for today. Build more possibilities for tomorrow.
Give your everyday money a clear job. Plan how much to set aside for bills, spending and savings, so you can see what's available and how it supports your goals.
See what different repayments could change. Explore how changes to your repayments could affect the time it takes to pay off your mortgage and the interest you could pay.
Make a plan for the debt you want to clear. Bring your short-term debts into view and explore how different repayments could help you work towards paying them off.
Look further ahead. Explore how your KiwiSaver balance could grow over time and what different scenarios could mean for your future.
Projections are estimates based on assumptions, not guaranteed outcomes.
Help the people you trust know where to look. Keep a record of important accounts, insurance and financial information in one place, so someone close to you has a starting point if they ever need to help.
Your banking app shows you a balance. Apex Money shows you a plan.
Right now, you enter what matters yourself, so you see it, think about it and decide what happens next. You never need to share your bank login.
Add your income, expenses, balances and the parts of your financial life you want to plan for.
Try different savings and repayment scenarios to see how your choices could affect your plan.
Use the picture you've built to decide what to focus on, then return to your plan as life changes.
[Three or four honest sentences from Kobus, in his own words, about why this matters to him.]
“My mission has always been to spread happiness, and money stress gets in the way of that more than almost anything. I've seen how a clear plan changes what people believe is possible for themselves. I joined Apex Money because every woman deserves to feel capable with her money, not anxious about it.”
“I joined Apex Money because I believe everyone deserves the guidance and financial education to work towards their goals, whatever their starting point. Everyone's financial situation is different, but understanding it makes all the difference. I want to help close the gap between wanting something better and knowing how to get there.”
You might earn well but feel like your money is running you, or you might just be starting to get serious about it. Wherever you're starting from is fine.
We're inviting founding members to use an early version of Apex Money and help us improve it.
The tools are here for you to explore, and we're still refining the experience. Tell us what helps, what feels confusing and what you'd like to see next.
Founding members keep their rate for their first 12 months, monthly or annual.
NZ$79.99a year
Billed once a year, saving NZ$15.89 compared with paying monthly.
Start my money planIntroductory pricing applies for your first 12 months. After that, the standard price for your chosen billing plan applies. We’ll notify you before your price changes. Cancel anytime.
Some decisions are easier when you can ask questions and talk about your own circumstances.
MyWealth offers financial advice on mortgages, KiwiSaver, investments and your wider financial plans.
Kobus VenterKobus, who is building Apex Money, is also a co-owner of MyWealth, where he works as a financial adviser.
Advice appointments are a separate service from your Apex Money subscription. See MyWealth's booking page for appointment options and pricing.
Get a plain-English look at what's happening with money in New Zealand and what it could mean for your household.
From mortgage rates and KiwiSaver to savings and everyday planning, our Monday update connects the headlines with practical questions worth asking.
What to expect
Our first launch is focused on women in New Zealand who want more direction with their money. You might be building savings, managing a mortgage, paying off debt or thinking further ahead. You don't need a particular income or a perfect financial situation to start, and anyone who wants a clearer plan for their money is welcome.
No. You enter your own figures, so you can start building your plan without connecting your bank account.
It's a short starting point to help you explore your priorities and discover which Apex Money tools could be useful to you. You can answer without looking up financial figures. It's separate from setting up your money plan, where you'll enter your own numbers.
You're joining an early version of Apex Money. Your feedback will help shape its development, and your founding-member rate (NZ$7.99 a month or NZ$79.99 a year) continues for your first 12 months.
Monthly is NZ$7.99 a month. Annual is NZ$79.99, paid once a year, saving you NZ$15.89. Both keep your founding-member rate for your first 12 months.
Yes, anytime. On the monthly plan, you keep access until the end of the month you've paid for. On the annual plan, you keep access until the end of the year you've paid for. Please see our Terms of use for cancellation and refund details.
No. Apex Money is a planning tool that helps you understand your own numbers. It provides general information, not personalised financial advice. If you'd like advice about your own circumstances, you can book an appointment with a MyWealth financial adviser.
No. MyWealth appointments are booked separately. Visit the booking page to see the available services and pricing.
Kobus Venter, who is building Apex Money, is a co-owner of MyWealth and works there as a financial adviser. Using Apex Money never commits you to advice. If you'd like it, you can book with MyWealth directly.
Your numbers are yours. We only collect what Apex Money needs to work, we never sell your information, and we store it securely . You can ask to see or correct your information at any time, and we handle it in line with the NZ Privacy Act 2020.
