Owdyn Free
ClarityFor anyone ready to get organised.
Know what you have, what you owe, and what’s safe to spend.
- Accounts & unlimited transactions
- Safe-to-Spend (current month)
- CSV import & savings goals
Built for New Zealand
Your bank shows how much you have.
Owdyn shows what’s actually yours.
Safe to Spend is your balance with rent, power, Afterpay and your savings goals already taken out. One honest number — so payday to payday stops feeling like guesswork.
Works with every NZ bank via CSV — no bank login required.
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AES-256Encrypted at rest
Every bankCSV import
No loginto your bank
Afterpay · Laybuy · ZipBNPL built in
Watch it happen
Your bank balance isn’t the number that matters.
What your bank showsSafe to spend
$5,000.00
Every bill, instalment, budget and goal already taken out. No mental maths, no nasty surprises — this is what’s genuinely yours to spend.
- Rent & powerDue before payday−$1,630.00
- Afterpay & LaybuyNext instalments−$142.00
- Living budgetGroceries & fuel, set aside−$560.00
- House depositThis month’s contribution−$442.24
Beyond the budget
Budgets cover the plan. Life happens off it.
You can budget groceries, power, even the pets. But the last-minute trip or the couch you didn’t plan for? Those fall outside every bucket. Safe-to-Spend gives you one honest answer — yes, or not yet — without quietly raiding the budgets you set.
This week’s shop? Sorted.
Fancy a weekend away? You’re good.
Eyeing that couch? Go on.
Still on track, every time.
Up and running in minutes.
No bank login. Works with any New Zealand bank.
01
Add an account
Checking, savings or credit card — 30 seconds, no bank login.
02
Import a statement
Drop in a CSV from any NZ bank. We recognise hundreds of Kiwi merchants on sight.
03
Add bills, goals & BNPL
Tell Owdyn what’s coming up. Afterpay, rent, that house deposit.
04
Read one honest number
Your Safe-to-Spend. Everything already spoken for, taken out. Updated daily.
CSV today. Automatic sync tomorrow. Your choice, always.
Automatic bank sync is in testing now and comes to Plus and Wise after launch — built on Akahu, NZ’s accredited open banking intermediary, so your bank login is still never shared with Owdyn. CSV import stays free for everyone.
What’s inside
Nine features. One living picture of your money.
Add a bill and Safe-to-Spend already knows. Fund a goal and the forecast updates. Every piece is connected — because your money is.
Cashflow Forecasting
See your balance months ahead — and test big decisions first.
Bills & BNPL
Every recurring cost tracked and auto-detected.
Budgets & Goals
Calm budgets and savings goals that feed your number.
Transactions
A fast, searchable transaction list with rules and safe bulk edits.
Safe-to-Spend
Your real headroom — recalculated every single day.
Split Transactions
Split a shop across categories so every dollar lands right.
Debt Cockpit
Every card and loan in one view, with a payoff simulator.
Owdyn Insights
Explainable AI that shows its working — your overrides win.
Notifications
Calm reminders for bills, low balances and goals. Never nagging.
Security & privacy
Your data stays yours. Always.
Owdyn is built so the most sensitive thing about you — your money — never becomes the product.
No bank login requiredOwdyn works via CSV import. Your internet-banking credentials never leave your bank.
Encrypted, in transit and at restTLS in transit and AES-256 at rest, with 2FA available on every plan — including Free.
Never sold, never monetisedWe don’t sell, share or monetise your financial data. It exists to serve you, not us.
Yours to take, anytimeFully exportable on every plan. Cancel from Settings — no retention calls, no hoops.
Start free. Upgrade if you want more.
No pressure, no lock-in. Everything’s free during beta — early supporters get a discount locked in at launch.
Owdyn Plus
ConfidenceFor people serious about their money.
Rolling Safe-to-Spend, forecasting and recurring bill detection.
- Everything in Free
- Goals & advanced budgets
- Cashflow forecasting & bill detection
Owdyn Wise
ControlFor those who want total control.
AI insights, deep analytics and long-range forecasting.
- Everything in Plus
- AI insights & analytics
- Forecast scenarios
The Owdyn Letter
One letter a month. Worth opening.
Practical NZ money tips, what we shipped and why, and honest thoughts on building better habits — written like a letter, not a campaign.
Monthly · Free · Unsubscribe any time
Good questions. Clear answers.
Honest answers. No fine print. No upsell.
Ready when you are
The clearest view of your money you’ve ever had.
Start free. No credit card. No pressure. If Owdyn earns its place in your week, you’ll know — because you’ll actually look forward to checking your finances.
No credit card · Cancel anytime · Your data stays yours