Freedom251 › Personal Finance Software
Owdyn
by Owdyn
What Owdyn is
Owdyn is a web personal-finance app from Auckland, New Zealand, designed to show how much money you can safely spend after upcoming bills and commitments. Category budgets and savings goals feed its Safe-to-Spend calculation. It tracks bills, subscriptions, installments, and buy-now-pay-later plans including Afterpay, Laybuy, and Zip. The app supports net-worth tracking, report export, and account syncing. Automatic bank connections on Plus and Wise use Akahu, while CSV import is available on every plan. Owdyn lists New Zealand connections including ANZ, ASB, BNZ, Kiwibank, and Westpac. Paid plans add cashflow forecasts, spending analytics, and AI spending insights. Free provides unlimited manual accounts and transactions, six budgets, three savings goals, current-month Safe-to-Spend, and CSV import/export. Plus costs 9.99 NZD a month; Wise costs 17.99 NZD a month. Owdyn lists TLS 1.2-or-higher connections and AES-256-GCM encryption for sensitive fields.
Who it suits
It suits New Zealanders wanting budgeting, bill, net-worth, and Safe-to-Spend views. Paid plans fit users wanting automatic bank syncing, forecasting, analytics, or expanded AI insights.
What it does well
- Safe-to-Spend includes upcoming bills and commitments
- Tracks subscriptions and BNPL installments
- CSV import works on every plan
- Supports New Zealand bank connections
- Offers forecasts and analytics on paid plans
What to know first
- Automatic bank syncing requires Plus or Wise
- Free plan limits budgets and savings goals
- Paid plans cost 9.99 or 17.99 NZD monthly
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Owdyn Free | Unlimited manual accounts and transactions · up to 6 budgets and 3 savings goals · current-month Safe-to-Spend · CSV import/export | Free |
| Owdyn Plus | Unlimited budgets and goals · 30-day Safe-to-Spend · forecasting up to 1 year · 5 AI insights/week · automatic bank sync | 9.99 NZD a month |
| Owdyn Wise | Unlimited AI insights · forecasting up to 5 years · custom Safe-to-Spend ranges · forecast scenarios · full analytics | 17.99 NZD a month |
As owdyn.com lists them, read 11 Oct 2026. The maker's own page has the final word.
Verdict
Owdyn combines budgeting, commitments, bank data, and Safe-to-Spend planning for New Zealand users. Its free tier covers manual tracking, while paid plans add syncing and deeper forecasting.
Facts from Owdyn's own pages
- Account sync
- both · owdyn.com, 22 Sept 2026
- AI data handling
- When optional AI features are used, Owdyn says it sends sanitized transaction descriptions and amounts to Anthropic, not identity or payment details. · owdyn.com, 11 Oct 2026
- AI insights
- Owdyn offers AI spending insights, with five per week on Plus and unlimited insights on Wise. · owdyn.com, 11 Oct 2026
- Analytics
- Paid plans include cashflow forecasting and spending analytics, with Wise offering forecasts up to five years. · owdyn.com, 11 Oct 2026
- Bank connections
- Automatic bank syncing on Plus and Wise runs through Akahu, while CSV import works on every plan. · owdyn.com, 11 Oct 2026
- Bank coverage
- Owdyn says it supports NZ bank connections and lists ANZ, ASB, BNZ, Kiwibank, and Westpac among major banks. · owdyn.com, 11 Oct 2026
- Bills and BNPL
- It tracks bills, subscriptions, and installment payments from Afterpay, Laybuy, Zip, and other BNPL plans. · owdyn.com, 11 Oct 2026
- Bill tracking
- Yes · owdyn.com, 22 Sept 2026
- Budgeting
- It offers category budgets and savings goals that feed into its Safe-to-Spend calculation. · owdyn.com, 11 Oct 2026
- Budgeting tools
- Yes · owdyn.com, 22 Sept 2026
- Company
- The security page identifies OWDYN LIMITED trading as Owdyn and gives its address as Auckland, New Zealand. · owdyn.com, 11 Oct 2026
- Data location
- Owdyn says its database is hosted on Neon in the AWS Sydney region in Australia. · owdyn.com, 11 Oct 2026
- Free plan
- Yes · owdyn.com, 22 Sept 2026
- Headquarters
- Auckland, New Zealand · owdyn.com, 28 Sept 2026
- Intended users
- Owdyn describes itself as built for New Zealanders seeking a clear view of what they can safely spend. · owdyn.com, 11 Oct 2026
- Net-worth tracking
- Yes · owdyn.com, 22 Sept 2026
- Purpose
- Owdyn is a personal finance app that calculates how much a user can spend after upcoming bills and commitments are accounted for. · owdyn.com, 11 Oct 2026
- Report export
- Yes · owdyn.com, 22 Sept 2026
- Security
- The security page says connections use TLS 1.2 or higher and sensitive fields are encrypted with AES-256-GCM inside Owdyn. · owdyn.com, 11 Oct 2026
- Support
- Owdyn lists [email protected] for security concerns and vulnerability reports, and says it will acknowledge vulnerability reports within 24 hours. · owdyn.com, 11 Oct 2026
Where Owdyn stands on Freedom251
- Personal Finance Software#91 of 181