How Smoothy works
Smoothy turns messy bank transactions into a simple system that helps you be good with money. Connect your accounts via NZ open banking, see what's coming up, and know what you can safely spend.
Read moreHelp & support
Learn more about how Smoothy works or contact support@smoothyhq.com if you need help.
How Smoothy uses Open Banking
Smoothy uses Akahu to securely connect to your bank accounts. Akahu is New Zealand's leading Open Banking platform – they're used by over 100 government, corporate, and fintech organisations across New Zealand, including major players like Xero, MYOB, Simplicity and Sharesies, and Westpac (who actually part-owns them). If you've ever connected your bank to a…
Read moreHow Smoothy predicts expenses
Smoothy connects to your bank accounts through a service called Akahu, scans your recent transactions and looks for patterns: bills you pay every month, subscriptions, loan repayments, and other regular costs. Costs that are considered recurring are tagged as 'recurring expenses', and patterns around amount, type of transaction and frequency are analysed to predict when…
Read moreHow Slices works
Smoothy calculates regular, even amounts to set aside each pay cycle, called Slices. Slices answers the question: how much should I put aside each time I get paid so that future expenses are covered? It shows how much needs to be in each account when, and what it's for.
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