Have you ever looked at your bank balance and wondered, what did I even spend this month? Find out how you can easily track your spending and set limits to help you stay within your budget.
Download the Debut app.
Debut is a powerful financial app designed to help you save and grow your money. Use your Debut Mastercard to track your spending and save on foreign exchange fees and always get the best rates when spending in different currencies. Plus heaps more. Download Debut and sign up in less than two minutes for free. Available on the App Store and Google Play.
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Keep track of spending effortlessly.
Top up your Debut account and switch your everyday spending over to your Debut Card. When you use any of your Debut cards, your expenses are automatically sorted into categories. You can find your monthly spending breakdown in the Spending Tab.
Did you know that Debut offers different types of cards?
Ora Card: When you sign up with Debut, you’ll be given a digital debit Mastercard you can start using right away with online purchases and mobile payments, like Apple Pay and Google Pay. A physical card will be dispatched to you by post.
Tonu Cards: You can also generate up to three additional digital debit Mastercards to give you more flexibility and security. For example, you could put all of your online subscriptions on a Tonu card, or use a Tonu card specifically for one-off online orders and block that card when not in use.
Set a limit to activate your budget.
It’s super easy to set a monthly budget by category in Debut.
- Just go to the Spending Tab, and select the category you want to limit.
- Go to the category settings in the ••• menu.
- Set your budget, e.g. $250
You can check in on your spending at any time and see if you’re within budget at-a-glance. Budgets in Debut are considered soft limits, so you can still go over your budget if you choose, but you’ll have the information to make that decision for yourself.
Updating a Budget
Sometimes your standard budget doesn’t fit the month, like when there are three birthdays in one month. You can change the budget at any time.
How to change a category?
Debut’s expense categorisation gets it right most of the time. If you disagree with how an expense has been categorised, it only takes a second to change it.
- Open the expense to see it in full detail.
- Select the Category button you would like to change.
- Select a new category.
Here, a recent purchase at a street market was categorised under miscellaneous, but I’d like to see this tracked toward my shopping budget. Easily changed.
See how your spending changes from month to month.
One of the simplest ways to build your own financial awareness is to review your spending more regularly. This allows you build up an awareness of how much you’re spending in certain areas of your life and helps you to understand when you’re spending more or less than normal. Use the arrows in the Spending Tab to navigate to previous months and see how your spending changes or stays the same in different categories.
Make Debut your own.
Debut is banking shaped by you. Let us know Backstage, our Community Forum, what kinds of features you’d like to see us bring to categories next.
Here are a few requests we’ve already heard from members, but feel free to tell us more Backstage or to share your thoughts on these.
Custom Budget Durations: e.g. weekly, fortnightly
Spending Summaries: Get a report on spending and budgeting with comparisons to the previous period
Over Budget Notifications: An optional toggle to alert you every time you spend despite being over your budget
Smart Budget Recommendations: Suggestions to adjust your budget up or down based on your ability to stay within budget and previous spending.
Budget Category Hard Limits: An option to allow your card to decline a payment if the category is over-budget.
Graphs: See spending displayed visually, e.g. line graphs, pie charts
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Please note, Debut is not a registered bank under the Banking (Prudential Supervision) Act. This is about our future intentions. Investments with us are not supervised currently by the Reserve Bank of New Zealand.
