Our Mission How It Works Features The Problem Team Pricing Join the Waitlist →
Built for New Zealand · Launching 2026

Saving is dead.
Build purchasing
power instead.

Purch tells you the very best time to buy. We use intelligent AI price tracking and simple planning tools to help you afford what you want — at the right moment.

Join the Waitlist ✦ See how it works ›
✦ 100% free to start
🔒 Bank-grade security
🚫 Zero debt, ever
⚡ AI Insight
Wait 6 weeks
iPhone 17 drops — price falls 15%
Save $180
Jordan & 2 others
just Purched ✓
9:41▲▲ 🔋
Purch
Purch
$5,000
+ Add a Spending Goal
Rome
✓ Ready to Purch
📅
Saved $300 booking shoulder season
Trip to Rome
Italian Adventures
$3,500
Save $300
iPhone
60% saved
⏱
Wait 6 wks — iPhone 17 expected
iPhone 16 Pro
Apple
$1,199
Nike Shoes
35% saved
🔔
Price dropped $70 — buy this week
Nike Air Max 270
Nike NZ
20
Our Mission

Money should feel positive,
simple, and achievable.

Our mission is to give young people a healthier, more empowering relationship with money. Today's financial world pushes debt, guilt, and confusion — we're building the alternative.

Purch transforms the impulse to spend into real financial progress, helping users grow their spending power without falling into BNPL traps or feeling bad about their choices.

We believe that when people understand what they can genuinely afford and feel rewarded for building towards it — they naturally grow confidence, resilience, and long-term wealth. Purch exists to make money feel positive, simple, and achievable for the next generation.

⚡
Empowerment over debt
We help people build genuine purchasing power — not borrow against their future. Every Purch is earned, never borrowed.
🧠
Intelligence, not complexity
Our AI does the hard work so you don't have to. No deep financial knowledge needed — just clear, actionable guidance.
🏆
Progress that feels good
Every milestone, streak, and goal reached is a celebration. Money should be motivating, not stressful.
🇳🇿
Built for New Zealand
Integrated with Akahu, designed specifically for the NZ banking ecosystem and cost-of-living reality.
How It Works

Three steps to your next purchase

01
🔗
Connect & Set Goals
Connect your NZ bank account securely via Akahu. Add anything you want — trips, tech, fashion, experiences. Paste a link, take a photo, or search for it.
✦ Takes 2 minutes
02
⚡
AI Builds Your Power
Purch splits your income automatically — Purch Power for goals, Parked Savings to grow. AI tracks prices and tells you exactly the right moment to buy.
✦ Smart, not complicated
03
🎉
Purch It — Debt Free
When your goal is ready, you buy it outright. No repayments, no interest, no guilt. Just you and the things you want — earned, never borrowed.
✦ Zero debt, always
Features

Everything you need to spend smarter

The most powerful purchasing platform for young New Zealanders — free to start, transformative with Premium.

🧠
AI Price Intelligence
Purch monitors price history, upcoming product releases, seasonal sales cycles, and market trends — telling you exactly when to buy and when to wait. Like having a personal shopping analyst available around the clock. This is the engine that powers everything.
⭐ Core Feature — Free & Premium
⚡ Live AI Insights
📅
Apple event in 8 weeks. MacBook likely drops 15–20% after announcement.
Save $300
✈️
Book Japan in Feb. Flights 40% cheaper for April cherry blossom season.
Save $850
🛍️
Black Friday in 11 weeks. AirPods Pro historically $50–70 off.
Save $60
💬
AI Coach ✦ Premium
A personalised companion available any time. Not financial advice — an intelligent guide that helps you think through purchases, explore timing options, and build genuine confidence in your decisions. Supportive and conversational, never restrictive or judgemental.
Your financial thinking partner
📈
Interest Rate Calculator ✦ Premium
Purch compares your current bank's interest rate against alternatives across the NZ market. See if your money is working as hard as it could — and how a better rate directly accelerates your goals. AI may recommend switching if it meaningfully speeds up your timeline.
Make your money work harder
🔔
Smart Notifications ✦ Premium
Designed to feel human, not alarming. Progress updates, milestone celebrations, price drop alerts, streak shoutouts, and gentle nudges when you need them. Encouragement and energy — never restriction or pressure.
Feels human, not robotic
⚡
Purch Boosts ✦ Premium
Exclusive cashback codes and partner deals that unlock when you're close to your goal. Real discounts at exactly the right moment — not generic coupons you'd find anywhere.
↑ Accelerates purchasing power
🫙
Purch Pots ✦ Premium
Save toward a shared goal with friends or flatmates. Group trips, shared gifts, house deposits — everyone contributes on their own schedule, everyone celebrates when you get there.
Save together, win together
🏦
Akahu Bank Connect
Securely connect any NZ bank in 60 seconds. Purch automatically splits your income into Purch Power and Parked Savings. No manual transfers, ever.
All NZ banks · Bank-grade security
📅
Unlock Schedule
A calendar showing exactly when each goal becomes "Ready to Purch." Plan your life around your purchases — not the other way around.
Always know what's coming
The Problem

BNPL is a trap.
There's a better way.

Buy Now Pay Later turns your life into a repayment schedule. Traditional banks teach you to "save" with no goal, no timeline, and no reward. Neither works for young New Zealanders in a real cost-of-living crisis.

Purch flips the entire model. You're not saving — you're building purchasing power. Your goals drive the plan. AI finds the perfect moment and price. You buy it outright, debt-free, every time.

🚨
Buy Now Pay Later
Get it now, pay it off forever. High interest, missed payments, and creeping guilt that never quite goes away.
💤
Traditional Saving
Money sitting in a boring account with no plan, no deadline, no idea if you're making real progress towards anything.
⚡
Purch — Purchasing Power
Goals drive the plan. AI finds the best price and moment. You build real power to spend on what matters — without borrowing a cent.
Why Purch

How we stack up

Feature
Purch
BNPL
Zero debt created
✓
✗
AI price timing & intelligence
✓
✗
AI Coach Premium
✓
✗
Interest rate calculator Premium
✓
✗
Smart notifications Premium
✓
✗
Exclusive partner discounts Premium
✓
✗
Group saving — Purch Pots Premium
✓
✗
Built for NZ banks (Akahu)
✓
±
The Team

Built by young Kiwis, for young Kiwis

We're not bankers. We're the generation this was built for — and we felt the problem firsthand.

James Fairbairn
James Fairbairn
Co-Founder
James is one of the co-founders of Purch and like most young Kiwis, he's felt the frustration of trying to manage money in a world where traditional saving no longer works. Instead of accepting that, he decided to build something better.
James is driven by a genuine desire to help his generation feel more in control, less stressed, and more confident with money. He brings energy, insight, and a deep belief that financial tools should feel good to use — not overwhelming.
🚀 Building for his generation
Max Clarke
Max Clarke
Co-Founder
Max is a 22-year-old university graduate and co-founder of Purch. While studying and working alongside other young adults, Max saw how difficult it can be to make meaningful financial progress in today's environment.
He wanted to create something simpler: a system that helps people make good decisions without needing deep financial knowledge. Max is driven to make a meaningful difference and believes money should feel clear, motivating, and supportive.
🎓 University graduate · 22
Pricing

Start free. Upgrade when ready.

No credit card needed. No hidden fees. Never any debt.

Free
$0
free forever
  • Up to 3 active Purchs
  • AI Price Intelligence
  • Price drop tracking & alerts
  • Purch Power calculator
  • Unlock Schedule
  • Streak & milestone badges
  • Unlimited Purchs
  • AI Coach
  • Interest rate calculator
  • Friends & social feed
  • Purch Pots (group saving)
  • Exclusive partner Boosts
Get Started Free
Premium
$9.99/mo
billed monthly · cancel anytime
  • Unlimited active Purchs
  • Full AI Price Intelligence
  • Price drop tracking & alerts
  • Purch Power calculator
  • Unlock Schedule
  • Smart notifications
  • Streak & milestone badges
  • AI Coach — personalised guidance
  • Interest rate calculator & comparisons
  • Friends & social feed
  • Purch Pots (group saving)
  • Exclusive partner Boosts
  • Priority support
Join Waitlist for Early Access →
🎉 Launching in New Zealand · 2026

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purchasing power?

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Early members get 3 months Premium free.

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