Guidance is informational only, not financial advice.
Be honest
Does any of this sound familiar?
- You checked your balance. It looked fine. Then Afterpay, the power bill, and the Mastercard payment all hit the same week.
- You'll save what's left over. There's never anything left over.
- You have a rough idea what you spend on groceries. The actual number? You'd rather not know.
Not a self-discipline problem. A visibility problem. Most Kiwis are doing fine — they just can't see clearly. That's exactly what Owdyn fixes.
What actually shifts
What changes when you can finally see clearly.
You stop doing mental maths at the checkout.
Bills land. You don't even flinch.
The house deposit actually grows this month.
Sunday evening doesn't feel like dread.
What's inside
One app. Nine tools that actually talk to each other.
When your bills are in Owdyn, Safe-to-Spend already knows. When your goal gets a contribution, the forecast updates. Every piece is connected — because your money is.
A note from the founder
Why I built Owdyn.
I never planned to build a budgeting app.
I just got tired of opening my bank app, seeing my balance, and still having no idea what I could actually spend — once rent, bills, and subscriptions were already committed elsewhere. Just because I have $5,000 in my account doesn't mean I can spend $5,000.
Most apps still make you do that mental maths yourself. So I decided to build something that finally makes sense for New Zealand.
Owdyn is my way of making money feel clearer and easier to live with.
Arjun Kataria
Founder, Owdyn
Pricing
Start free. Upgrade if you want more.
No pressure, no lock-in. Owdyn earns its place in your week — or it doesn't.
Free
Clarity — see where you stand
Track every dollar in and out. Know what you have, what you owe, and what's safe to spend.
- Accounts & unlimited transactions
- Safe-to-Spend (current month)
- CSV import
Plus
Most popularConfidence — stop guessing
Rolling Safe-to-Spend, goals, forecasting, and recurring bill detection. Financial certainty, month to month.
- Everything in Free
- Goals & advanced budgets
- Cashflow forecasting & bill detection
Wise
Full powerControl — stay one step ahead
AI-powered insights, deep analytics, and long-range forecasting. For when you want to optimise — not just observe.
- Everything in Plus
- AI insights & analytics
- Forecast scenarios
Questions
