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 · Free during beta
Your bank shows how much you have.
Owdyn shows what’s actually yours.
All your upcoming commitments already set aside, so you know exactly how much you can spend — guilt-free.
Works with every NZ bank via CSV — no bank login required.
Scroll
NZD-firstBuilt for NZ
Every bankCSV import
No loginto your bank
Afterpay · Laybuy · ZipBNPL built in
Watch it happen
Your bank balance isn’t the number that matters.
It looks fine — until rent, Afterpay and payday week all land in the same few days.
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.
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 ledger 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, end to endProtected in transit and 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