Know what's safe to spend — without spreadsheets.
Owdyn accounts for upcoming bills and your plans so you can decide calmly.
Safe to Spend
$847
Bills covered
Guidance is informational only, not financial advice.
Budgeting is often the hard way around
In New Zealand, money can be irregular, bills arrive quietly, and many tools end up feeling too manual or too abstract. The real question is simple:
- Too manual to keep up consistently week after week.
- Too abstract when you need a simple answer mid-month.
- "How much can I actually spend right now?" — without guessing.
Safe-to-Spend: One number, total clarity
Owdyn calculates what you can safely spend after accounting for upcoming bills, planned savings, and your budget commitments. No more mental math.
Know where every dollar goes
See your spending organized into clear categories. No more wondering where the money went — just calm, visual clarity.
Insights that help you decide
Spot patterns, understand trends, and get gentle nudges when something seems off. Owdyn helps you see the bigger picture without overwhelming you.
💡 Weekends tend to be 23% higher than weekdays
Who Owdyn is for
Choose the level that matches your mindset today. You can grow into more clarity later.
See your money clearly
Awareness seekers who want calm visibility into their finances.
- Track accounts & transactions
- Basic Safe-to-Spend
- CSV import
Spend with confidence
Control seekers who want Safe-to-Spend guardrails and more clarity.
- Everything in Free
- Goals & advanced budgets
- Cashflow forecasting & recurring bill detection
Make smarter decisions
Optimisers who prefer decision support over raw data.
- Everything in Plus
- AI insights & advanced analytics
- Advanced forecasting & scenarios
