Honest comparison
Owdyn vs SortMe
SortMe is a New Zealand personal finance app with bank connections, AI-assisted categorisation and net-worth tracking, including KiwiSaver visibility.
Facts last checked: 29 July 2026
At a glance
SortMe covers a broad sweep — connected accounts, KiwiSaver, net worth, AI categorisation. Owdyn narrows deliberately to the one question people actually ask daily and answers it with everything already subtracted. Breadth vs a single honest number; both are legitimately NZ-first.
Side by side
| Owdyn | SortMe | |
|---|---|---|
| Availability | Live now — sign up free today, no waitlist | Live |
| Built for NZ | Yes — NZD-first, NZ merchants | Yes — NZ-built |
| Getting your data in | CSV import from any NZ bank — no bank login required. Automatic bank sync is in testing and comes to Plus and Wise after launch. | Live bank connections; KiwiSaver balances visible |
| Organising idea | One Safe-to-Spend number with commitments pre-subtracted | Whole-of-money dashboards with AI categorisation |
| BNPL (Afterpay, Laybuy, Zip) | Afterpay, Laybuy and Zip tracking built in | Not a headline feature |
| Free tier | Unlimited accounts and transactions, CSV import and export, budgets, goals, bills, BNPL and Debt Cockpit — free, no card | Trial-based / paid subscription for connected features (as at July 2026) |
Where SortMe shines
- Wide financial picture in one place, including KiwiSaver — good for net-worth watchers.
- AI categorisation across connected accounts with minimal setup.
- Live bank connections for hands-off capture.
Where Owdyn shines
- Owdyn answers the daily question — what can I actually spend? — instead of presenting dashboards to interpret.
- BNPL instalments are first-class citizens and reduce Safe to Spend automatically.
- A genuinely free plan with unlimited transactions and CSV import/export.
- Privacy-first: no bank login required, and your data is never monetised.
Pick SortMe if you mainly want a connected net-worth view including KiwiSaver, and are happy with a subscription for it.
Pick Owdyn if you want a free-to-start app whose whole job is telling you what is genuinely yours to spend.
Good questions. Clear answers.
What is the main difference between Owdyn and SortMe?
Scope. SortMe aims to show your whole financial picture — connected bank accounts, KiwiSaver, net worth — with AI categorisation. Owdyn is built around one number: Safe to Spend, your balance with upcoming bills, BNPL instalments and goal contributions already subtracted.
Is Owdyn free compared to SortMe?
Owdyn has a free plan with unlimited accounts, unlimited transactions and CSV import/export — free in NZD, no credit card. SortMe’s connected experience runs on a paid subscription (as at July 2026). During Owdyn’s beta, all features are free.
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No waitlist
Try the difference tonight.
Owdyn is live now — import your first bank statement in minutes and see your real Safe to Spend. Free during beta, no credit card, and your data stays yours.
Free during beta · No credit card · Works with every NZ bank via CSV