Invercargill, Southland, New Zealand
Jack Ridder
I build software for the way New Zealand actually lives.
Founder and director, based at the bottom of the South Island. I build and run KiwiBudget, the budgeting app made properly for New Zealand money. Bryder Holdings Ltd, the holding company I founded, owns it.
- Building
- KiwiBudgetThe budgeting app made for New Zealand money. Launches 16 November 2026.
- kiwibudget.nzJoin the waitlist
- Owned by
- Bryder Holdings LtdThe Southland holding company I founded. I am its sole director, and it owns KiwiBudget Limited.
- bryder.co.nz
What I'm building
The budgeting app made for NZ money
KiwiBudget connects to New Zealand banks through open banking, sorts your spending on its own, and answers the only question that matters: what can I actually spend until payday? It understands StudyLink, IRD tax codes and KiwiSaver, because a budget built for another country's money never quite fits.
- Launches
- Starting with
- Students
- Company
- KiwiBudget Limited, owned by Bryder Holdings Ltd
About
Kia ora, I'm Jack.
I build software from Invercargill, at the bottom of the South Island of New Zealand. I like products that make ordinary life measurably easier, built properly for the place they live in rather than translated from somewhere else.
Right now that mostly means KiwiBudget. I founded Bryder Holdings Ltd, a holding company in Southland, and I am its sole director. It owns KiwiBudget Limited, which runs the app, and is setting up Bryder Commerce Limited, the group's ecommerce company.
- Based
- Invercargill, NZ
- Role
- Founder and director
- Company
- Bryder Holdings Ltd
Who owns what
Bryder Holdings Ltd
Holding company in Southland. I founded it and I am its sole director.
bryder.co.nzKiwiBudget Limited
Owned by Bryder Holdings. Runs the KiwiBudget app.
kiwibudget.nzBryder Commerce Limited
The group's ecommerce company, being set up.
Bryder Holdings owns the businesses. I build and run them.
News and press
Latest
KiwiBudget in the Otago Daily Times
The ODT covered KiwiBudget and why it is built for the working class rather than for business, the gap I kept running into when I tried the other budgeting apps.
KiwiBudget in The Press
The Press wrote about KiwiBudget and the story behind building a budgeting app for New Zealand from Invercargill, helping families beat the cost-of-living squeeze.
How KiwiBudget handles your data
Someone asked how KiwiBudget handles user data, and it deserved a proper answer: read-only bank connections through Akahu, encrypted and isolated per user, two-factor authentication before any bank link, and delete means delete.
Writing
Money guides for New Zealanders
Practical, NZ-specific and free, on the KiwiBudget blog.
KiwiSaver contributions, explained
What the percentages actually mean for your future self.
Surviving winter costs as a student
Why the power bill doubles in July, and what to do about it.
Secondary tax in NZ
The second-job tax myth, and what you actually end up paying.
Contact
Follow the build
KiwiBudget launches 16 November 2026. Updates land on the news page as they happen.
- Media and partnerships
- jack@ridder.nz
- KiwiBudget support
- support@kiwibudget.nz0800 002 798
- Elsewhere
- @jackridder.nzLife, Southland and the odd build update.Follow on Instagram