Owdyn
The facts below are what the maker publishes about Owdyn, checked and dated. Our editors have not written about it yet.
Plans and prices
From Owdyn's own pricing page, checked 11 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| 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 Plus | 9.99 NZD a month | Unlimited budgets and goals · 30-day Safe-to-Spend · forecasting up to 1 year · 5 AI insights/week · automatic bank sync |
| Owdyn Wise | 17.99 NZD a month | Unlimited AI insights · forecasting up to 5 years · custom Safe-to-Spend ranges · forecast scenarios · full analytics |
The facts
Each one read from Owdyn's own pages, with the date it was checked.
What it does
- Account sync
- bothchecked 22 Sep 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.checked 11 Oct 2026
- AI insights
- Owdyn offers AI spending insights, with five per week on Plus and unlimited insights on Wise.checked 11 Oct 2026
- Analytics
- Paid plans include cashflow forecasting and spending analytics, with Wise offering forecasts up to five years.checked 11 Oct 2026
- Bank connections
- Automatic bank syncing on Plus and Wise runs through Akahu, while CSV import works on every plan.checked 11 Oct 2026
- Bank coverage
- Owdyn says it supports NZ bank connections and lists ANZ, ASB, BNZ, Kiwibank, and Westpac among major banks.checked 11 Oct 2026
- Bills and BNPL
- It tracks bills, subscriptions, and installment payments from Afterpay, Laybuy, Zip, and other BNPL plans.checked 11 Oct 2026
- Bill tracking
- Yeschecked 22 Sep 2026
- Budgeting
- It offers category budgets and savings goals that feed into its Safe-to-Spend calculation.checked 11 Oct 2026
- Budgeting tools
- Yeschecked 22 Sep 2026
- Data location
- Owdyn says its database is hosted on Neon in the AWS Sydney region in Australia.checked 11 Oct 2026
- Intended users
- Owdyn describes itself as built for New Zealanders seeking a clear view of what they can safely spend.checked 11 Oct 2026
- Net-worth tracking
- Yeschecked 22 Sep 2026
- Purpose
- Owdyn is a personal finance app that calculates how much a user can spend after upcoming bills and commitments are accounted for.checked 11 Oct 2026
- Report export
- Yeschecked 22 Sep 2026
- Security
- The security page says connections use TLS 1.2 or higher and sensitive fields are encrypted with AES-256-GCM inside Owdyn.checked 11 Oct 2026
- Support
- Owdyn lists [email protected] for security concerns and vulnerability reports, and says it will acknowledge vulnerability reports within 24 hours.checked 11 Oct 2026
The company
- Company
- The security page identifies OWDYN LIMITED trading as Owdyn and gives its address as Auckland, New Zealand.checked 11 Oct 2026
- Headquarters
- Auckland, New Zealandchecked 28 Sep 2026
Money
- Free plan
- Yeschecked 22 Sep 2026
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