No. 44of 181 ·Personal Finance Software

Owdyn

Web· paid plans from NZD 9.99/mo

Freedom report

Two barsScore 7.0

Free tierA free tier is on its own pricing page
Runs widely1 of 6 device platforms
DocumentedPlans, terms and facts published

Owdyn is ranked #44 of 181 in personal finance software on Freedom251, made by Owdyn (Auckland, New Zealand). It runs on Web. There is a free plan. Paid plans start at NZD 9.99/mo.

Owdyn plans and pricing

All plans

Owdyn Free Free Unlimited manual accounts and transactions · up to 6 budgets and 3 savings goals · current-month Safe-to-Spend · CSV import/export owdyn.com · 11 Oct 2026

Owdyn Plus NZD 9.99/mo Unlimited budgets and goals · 30-day Safe-to-Spend · forecasting up to 1 year · 5 AI insights/week · automatic bank sync owdyn.com · 11 Oct 2026

Owdyn Wise NZD 17.99/mo Unlimited AI insights · forecasting up to 5 years · custom Safe-to-Spend ranges · forecast scenarios · full analytics owdyn.com · 11 Oct 2026

Compared on personal finance software

Free plan: Yes
Budgeting tools: Yes
Bill tracking: Yes
Net-worth tracking: Yes
Account sync: both
Report export: Yes

Best Owdyn alternatives

See all 20

Two bars SoFi Free tier No. 1Free8.3 Two bars PocketSmith Free tier No. 2$9.99/mo8.3 Two bars GnuCash Free tier No. 3Free8.0 Two bars EveryDollar Free tier No. 4$17.99/mo8.0 Two bars MoneyPatrol Free tier No. 5$1.67/mo8.0 Two bars Money Manager Ex Free tier No. 6Free8.0

The record

Purpose: Owdyn is a personal finance app that calculates how much a user can spend after upcoming bills and commitments are accounted for.
Budgeting: It offers category budgets and savings goals that feed into its Safe-to-Spend calculation.
Bills and BNPL: It tracks bills, subscriptions, and installment payments from Afterpay, Laybuy, Zip, and other BNPL plans.
Bank connections: Automatic bank syncing on Plus and Wise runs through Akahu, while CSV import works on every plan.
Bank coverage: Owdyn says it supports NZ bank connections and lists ANZ, ASB, BNZ, Kiwibank, and Westpac among major banks.
Analytics: Paid plans include cashflow forecasting and spending analytics, with Wise offering forecasts up to five years.
AI insights: Owdyn offers AI spending insights, with five per week on Plus and unlimited insights on Wise.
Security: The security page says connections use TLS 1.2 or higher and sensitive fields are encrypted with AES-256-GCM inside Owdyn.
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.
Data location: Owdyn says its database is hosted on Neon in the AWS Sydney region in Australia.
Support: Owdyn lists [email protected] for security concerns and vulnerability reports, and says it will acknowledge vulnerability reports within 24 hours.
Intended users: Owdyn describes itself as built for New Zealanders seeking a clear view of what they can safely spend.
Company: The security page identifies OWDYN LIMITED trading as Owdyn and gives its address as Auckland, New Zealand.
Headquarters: Auckland, New Zealand
Price from: NZD 9.99/mo

Where it ranks on Freedom251

Best Personal Finance Software in 2026#44 of 181

Is Owdyn yours?

Claim it for free: prove the domain, then correct facts, plans and screenshots. An editor reviews every change.

Claim it free Promote Owdyn

Sources

owdyn.com· checked 11 Oct 2026
owdyn.com/features· checked 11 Oct 2026
owdyn.com/about· checked 11 Oct 2026
owdyn.com/pricing· checked 11 Oct 2026
owdyn.com/security· checked 11 Oct 2026