Owdyn Free
ClarityFor anyone ready to get organised.
Know what you have, what you owe, and what’s safe to spend.
$0forever
- Accounts & unlimited transactions
- Safe-to-Spend (current month)
- CSV import & savings goals
Built in Aotearoa
See what’s Safe to Spend before you spend it.
Owdyn is a personal finance app that tells you exactly how much you can spend today without touching any money reserved for upcoming bills and future commitments. It does the maths so you can spend guilt-free.
The Owdyn app, showing a Safe-to-Spend figure for the next 30 days with bills, budgets and savings goals already subtracted.
AES-256Encrypted at rest
Bank Syncvia Akahu
Your datanever sold
Afterpay · Laybuy · ZipBNPL built in
Bank sync
Bring all your bank accounts into Owdyn.
Everyday, savings, credit cards and investments in one place on Plus or Wise, kept current through Akahu — New Zealand’s accredited open banking intermediary. Owdyn never sees your internet-banking login.
26 institutions connect through Akahu — banks, credit cards, KiwiSaver and investment providers. Banks and cards bring your transactions across; KiwiSaver and investment accounts bring their balance. Not seeing yours? CSV import works with every bank, free on every plan.
Safe-to-Spend
Your bank balance isn’t the number that matters.
Move these to your own numbers. This is the maths Owdyn runs every day — rent, instalments, budgets and goals out before you’re told what’s yours.
Safe to spend
$2,226
In your accountsEveryday + savings you actually spend from$5,000
- Rent & powerDue before payday−$1,630
- Afterpay & LaybuyNext instalments−$142
- Living budgetGroceries & fuel, set aside−$560
- House depositThis month’s contribution−$442
Every bill, instalment, budget and goal due in the next 30 days, already taken out — this is what’s genuinely yours to spend.
Keep this number liveFree to start · your bank login is never shared. Nothing you move here is sent or stored — the maths runs on this page. Need exact figures? Use the full calculator.
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.
Your bank login is never shared. Works with any New Zealand bank.
01
Add an account
Checking, savings or credit card — 30 seconds, no paperwork.
02
Connect or import
Sync your bank on Plus, or 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.
Sync it or import it. Your choice, always.
Connect your bank on Plus or Wise and transactions arrive on their own — built on Akahu, NZ’s accredited open banking intermediary, so your bank login is never shared with Owdyn. Prefer to keep it manual? CSV import stays free for everyone.
What’s inside
Every piece of your money. One living picture.
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
Next 90 days
$3,180
Tightest point 14 Nov
See your balance months ahead — and test big decisions first.
Bills & BNPL
Next 7 days
−$1,011.08
Fri 21Rent−$893.52
Fri 21Afterpay 2 of 4−$47.50
Sun 232degrees−$70.06
Every recurring cost tracked and auto-detected, Afterpay and Laybuy included.
Budgets & Goals
Envelopes
Groceries$184.89 / $100
Dining out$109.46 / $150
Shopping$200 / $500
Calm budgets and savings goals that feed your number.
Split Transactions
PAK’nSAVE
−$94.89
Groceries−$71.40
Household−$18.49
Pets−$5.00
Left to allocate$0.00
Split a shop across categories and the parts still add up to the original.
Safe-to-Spend
Safe to spend · next 30 days
$1,381.45
In your accounts$4,412.53
Bills before payday−$1,011.08
Budgets set aside−$840.00
House deposit goal−$180.00
Cash buffer−$1,000.00
Every deduction, line by line.
Your real headroom — recalculated every single day.
Debt Cockpit
Total you owe
$5,497.22
Low Rate Visa55% used
$250/mo clears it by Nov 2028
Every card and loan in one view, with a payoff simulator.
Health Signal
Health signal
71 / 100
Savings rate · 35%82
Cash runway · 30%61
Income stability · 20%78
Credit utilisation · 15%54
One composite score with every component and weight shown — and no score at all until there is enough data to mean something.
Owdyn Insights
Spending
Dining out is at $322.60 (day 14 of 31), on pace for $714.33 — above last month’s $311.21.
Explainable AI that shows its working — your overrides win.
Bank Sync & Import
Your transactions
Westpac · syncedjust now
ANZ · statement.csvmapped
Transactions in214
Duplicates skipped6
Any bank’s CSV. Your login never shared.
Connect your bank on Plus or Wise and transactions arrive on their own, via Akahu. Or import a CSV from any NZ bank, free on every plan — re-importing never double-counts.
Custom categories & Rules
Your categories
GroceriesRentKids · swimmingUte
Rule: PAK’nSAVE → Groceries
Applied to 38 past and all future
Make your own categories, and set a rule once so it applies backwards as well as forwards.
What-if Scenarios
What if…
A $520/month car loan
Now With the loan
Test a decision against your real forecast. Scenarios never touch your actual data.
Security & privacy
Your data stays yours. Always.
Owdyn is built so the most sensitive thing about you — your money — never becomes the product.
Your bank login, never sharedSync runs through Akahu, NZ’s accredited open banking intermediary. Or import a CSV and skip it entirely.
Encrypted, in transit and at restTLS in transit and AES-256 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.
$9.99/mo
- Everything in Free
- Automatic bank sync
- Cashflow forecasting & bill detection
Owdyn Wise
ControlFor those who want total control.
AI insights, deep analytics and long-range forecasting.
$17.99/mo
- Everything in Plus
- AI insights & analytics
- Forecast scenarios
From our community
Real people. Real words.
Owdyn is new, so there aren’t many of these yet. Every one is a real beta user, published with their permission — unedited.
“It's early days for me but am liking Owdyn so far on the free tier. Transaction auto classification works really well (seems better than the app I have been using); like the use of icons to ID Accounts and transaction types. The AI Insights and forecasts are helpful. Great dashboard. App will star with auto bank sync (vs manual input and csv upload which is time consuming), that should deliver more or less real time spending insights”
LLindsayOwdyn beta user
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.