Questions, answered.

Envelope budgeting is a simple idea: give every dollar a job before you spend it. Traditionally you'd put cash into labelled envelopes — groceries, rent, petrol — and stop spending from each when it was empty. Hedge brings that clarity into your bank: digital envelopes, automatic balance tracking, and no cash shuffling required.

Hedge is built for New Zealand from the ground up. It connects to NZ banks, fits NZ pay cycles, and skips the global-app workarounds that don't quite match how money actually moves here. Our focus is clarity — a budget you can read at a glance, not a dashboard stuffed with charts.

No. Hedge is a budgeting tool — it helps you see and manage your money. For personalised financial, tax, or investment advice, please talk to a licensed adviser. See our Terms for more detail.

Yes. We use industry-standard encryption in transit, strict access controls, and privacy-respecting analytics that route through our own first-party domain. Read the full detail in our Privacy Policy.

No. We don't sell your personal information, and we don't use your financial data to target you with third-party advertising. Those commitments live in our Privacy Policy.

Always. Export is a first-class feature — you own your data, and you can take it with you at any time.

Hedge will be free to start, with a paid tier for advanced features. The latest pricing lives on our pricing section.

Hedge is in early access now. Create an account to get started.

Hedge is designed for New Zealanders with an account at a major NZ bank. You need to be at least 16 years old to sign up. Full details in our Terms.

Our goal is to support every major New Zealand bank at launch. We'll publish the exact list closer to release — create an account to hear first.

We're working on import tooling for popular budgeting apps. You can also set a starting balance and starting month per category, so your history stays accurate when you switch. We'll share specifics closer to launch.

Hedge will work in any modern browser, and we're planning native mobile apps. More detail closer to launch.