Owdyn
7.2#82 in personal finance softwareFrom 9.99 NZD a monthFree planWeb
VisitOwdyn vs YNAB
What both publish
| Fact | Owdyn | YNAB |
|---|---|---|
| Account sync | both | both |
| Bill tracking | Yes | Yes |
| Budgeting tools | Yes | Yes |
| Free plan | Yes | No |
| Headquarters | Auckland, New Zealand | Lehi, Utah, USA |
| Net-worth tracking | Yes | Yes |
| Report export | Yes | Yes |
| Security | The security page says connections use TLS 1.2 or higher and sensitive fields are encrypted with AES-256-GCM inside Owdyn. | YNAB uses encryption in transit and at rest, restricted monitored access, code scanning, and infrastructure testing. |
Owdyn plans
- Owdyn FreeFree
- Owdyn Plus9.99 NZD a month
- Owdyn Wise17.99 NZD a month
YNAB plans
- Monthly Plan$14.99 a month
- Annual Plan$109 a year
- College ProgramFree
- Free TrialFree
Pick Owdyn if…
You want what its maker publishes above — check its page for the details.
Pick YNAB if…
YNAB suits people who want a structured spending plan, savings targets, reports, or help planning debt payments. It may also work for households sharing one subscription, with up to six people supported.