Stop bleeding money.
Let AI find the waste.

The average Kiwi wastes $94/month on forgotten subscriptions and over-priced bills. Connect your bank — Loots flags the waste, writes your cancel emails, and builds your home deposit.

Get started free See how it works

$94

avg. monthly waste

$1,128

saved per year

60s

to find your waste

How it works

Three steps. Sixty seconds.

Upload a bank CSV or connect your bank live — Loots does the rest.

Connect your bank

Upload a CSV from any NZ bank — ANZ, ASB, BNZ, Westpac, or Kiwibank. Or connect live with Premium.

AI finds the waste

AI scans transactions, classifies unknown merchants, and detects bill price increases automatically.

Cancel, switch, & save

Get 1-tap cancel guides, AI-drafted cancellation emails, and a projected timeline to your first home.

Features

One app. Four jobs.

Kill waste. Switch smarter. Get home-ready. Powered by AI.

Kill waste

Find forgotten subscriptions, detect duplicate charges, and spot bank fees you didn't know about.

Monthly, annual, and weekly recurrence detection
Free-trial-to-paid conversion alerts
One-click cancel guides for every subscription
Overdraft and bank fee detection

Switch smarter

Compare your bills against NZ market averages and get switch suggestions for cheaper deals.

Power, broadband, and mobile comparison
Automatic price increase alerts (10%+ threshold)
Direct links to switch providers
Market average benchmarks for NZ

Get home-ready

Track your deposit, KiwiSaver, and eligibility for First Home grants — see how cutting waste speeds it up.

Deposit tracker with timeline projection
KiwiSaver First Home Withdrawal check
First Home Grant eligibility calculator
HomeReady score (0–100)

AI Intelligence

Smart analysis engine built to do the heavy lifting for your money.

Weekly savings digests drafted by AI
AI Cancel email drafts ready to send
Spending personality tracking
Automatic anomaly & budget alerts

Pricing

Start free. Upgrade when you're ready.

No credit card required. Cancel anytime.

Free

forever

CSV only · 0 bank connections

Upload bank CSV (all NZ banks)
Subscription detection & waste finder
Basic spending insights

Start with CSV

Plus

$7.99

per month

Up to 2 banks · or $5.00/mo billed annually ($59.99/yr)

Live bank sync via Akahu
Cancel guides & bill alerts
Bill switch suggestions
Weekly savings report
Full 2-year history

Get Plus

Your data stays yours

We never sell, share, or give your financial information to third parties.

Read-only access

We can see transactions but never move money

NZ regulated

Akahu is accredited under NZ open banking rules

Never sold

Your data is never shared with advertisers

No passwords

We never store your bank login credentials

FAQ

Common questions

Is Loots really free?

Yes. Upload a CSV from your bank and Loots will detect your subscriptions and waste — forever. Paid plans (Plus from $7.99/mo, Premium from $12.99/mo, Unlimited from $19.99/mo) add live bank sync and advanced features.

Which banks are supported?

All major NZ banks: ANZ, ASB, BNZ, Westpac, and Kiwibank. Free users upload CSVs. Paid plan users connect live via Akahu.

What's the difference between Plus, Premium, and Unlimited?

Plus ($7.99/mo) gives you live sync with up to 2 banks, cancel guides, and bill alerts. Premium ($12.99/mo) adds net worth tracking, Safe to Spend, savings goals, and HomeReady with up to 5 banks. Unlimited ($19.99/mo) removes all bank limits and includes priority support.

Is my bank data secure?

Absolutely. Free CSV data is encrypted on our servers. Paid plans use Akahu, an NZ-regulated open banking provider. We never store your bank passwords and can only read transactions — never move money.

Can I cancel or change plans?

Yes. Cancel anytime — you won't be charged beyond the current period. Upgrade or downgrade freely; changes take effect immediately (upgrades) or at the end of your billing period (downgrades).

How is Loots different from my bank app?

Bank apps show transactions. Loots finds patterns — subscriptions you forgot, bills that went up, fees you didn't notice. It tells you exactly what to cancel and switch.

What is HomeReady?

An opt-in feature that tracks your first home deposit, KiwiSaver balance, and eligibility for NZ government grants. It shows how cutting subscriptions accelerates your home deposit timeline.

Get your loots back

Find out what you're wasting in under 60 seconds. Free — no credit card required.

Get started free

Stop bleeding money.Let AI find the waste.