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Budgeting with PocketSmith
If there’s one budgeting app we rave about at Mortgage Lab, it’s PocketSmith. Proudly New Zealand-made and packed with powerful tools for tracking your income, expenses, and future goals, it’s our go-to recommendation for anyone looking to get their finances in order. Whether you’re saving for a home deposit or just want to understand your spending better, PocketSmith makes it easier—on desktop and mobile. Here's why we think it’s worth a look.

Your mortgage rate is 8%
Your interest rate might be 6% or less—but planning as if it were 8% could save you thousands and cut your loan term in half.