Free tools

Run your numbers. No signup.

Free calculators built for NZ money questions. Nothing you type leaves your browser — these pages exist to give you an honest number, not to collect your email.

Start here · The flagship

Safe to Spend Calculator

The headline number: your balance with bills, BNPL and savings goals already subtracted — what’s genuinely yours until payday.

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BNPL

BNPL True Cost Calculator

Add up every Afterpay, Laybuy and Zip plan you have running — total committed money, weekly drain, and when you’ll be clear.

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Debt

Credit Card Payoff Calculator

See how long your card takes to clear at your current payment, the interest it costs, and what paying a little extra saves.

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Savings

Emergency Fund Calculator

Work out your 3–6 month safety-net target from your essential spending, and how long it takes to build at your pace.

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Income

NZ Take-Home Pay Calculator

Salary to real money: income tax, ACC levy, KiwiSaver and student loan subtracted — weekly, fortnightly and monthly.

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Every calculator runs entirely in your browser. Nothing you enter is sent to us, stored, or used to build a profile.

Calculators are snapshots. Owdyn is the live feed.

Import your transactions once and Owdyn keeps every one of these numbers current — from one honest Safe-to-Spend figure. Free during beta.

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Free during beta · No credit card · Your data stays yours