One login, three views
Start wherever you are
Paying down a mortgage, building a KiwiSaver or doing both? Owly shows you how it all fits together.
Mortgage, car loan, credit cards, student loan. Owly shows what each one costs and when you'll be free.
Track your debt →KiwiSaver, shares, ETFs, term deposits, crypto and more. Owly shows what it's all worth and how it's grown.
Track your investments →Owly adds up your home, car, KiwiSaver and loans into one number and tracks how it changes.
How net worth works →
Your debt in one place
Mortgage, car loan, credit cards, student loan. Owly shows what each one costs and when you'll be free.
Track your debt →Your investments over time
KiwiSaver, shares, ETFs, term deposits, crypto and more. Owly shows what it's all worth and how it's grown.
Track your investments →The whole picture in one number
Owly adds up your home, car, KiwiSaver and loans into one number and tracks how it changes.
How net worth works →
Pay your debt off faster
Avalanche, snowball or cashflow: Owly runs the numbers on your loans for each one and shows how much time and interest it saves. Then see what a lump sum or an extra repayment does to your debt-free date.
Stay ahead of what's coming on your loans
Owly warns you by email and on your dashboard as your fixed rate is about to end. Interest-only and buy-now-pay-later end dates are shown right on each loan so you can see what's coming at a glance.
Watch your net worth grow
Add your KiwiSaver, shares and savings alongside your loans. Owly shows how your net worth changes as your debt falls and your investments grow.
Your data stays with you
No bank login. No account numbers. No IRD number.
Your data is encrypted and stored securely.
Owly doesn't talk to your bank. Your data stays between you and the bird.
No bank login. No account numbers. No IRD number.
Your data is encrypted and stored securely.
Owly doesn't talk to your bank. Your data stays between you and the bird.
What Kiwis are saying about Owly
It's very clear and clean. The Learn section is also very helpful, and the insights are tailored to my situation and make sense.
— Olga, Auckland
The sign up process was super easy and fast; I received the confirmation email right away and could log in immediately which is fantastic.
— Munira, Auckland
It's brilliant! Just threw my numbers in quickly. I've been really struggling to find something so simple.
— Kristie, Otago
It's very clear and clean. The Learn section is also very helpful, and the insights are tailored to my situation and make sense.
— Olga, Auckland
The sign up process was super easy and fast; I received the confirmation email right away and could log in immediately which is fantastic.
— Munira, Auckland
It's brilliant! Just threw my numbers in quickly. I've been really struggling to find something so simple.
— Kristie, Otago
Common questions
Is Owly free to use?
Yes. Owly is completely free, with no credit card required and no hidden fees.
Does Owly connect to my bank?
No. Owly is manual entry by design, so you add your loans yourself and there are no bank logins or open banking connections. Your data stays between you and the bird.
Do I need debt to use Owly?
No. You can start with just your investments or just your net worth and add the rest whenever you like.
What's the difference between OWES, OWNS and Net Worth?
OWES tracks your loans and shows how to pay them off faster. OWNS tracks your investments, like KiwiSaver, shares and ETFs. Net Worth adds up everything you own and owe, including property and savings.
What can I track?
Loans: mortgages (fixed and floating), car loans, personal loans, hire purchase, credit cards, student loans, revolving credit, buy now pay later and business loans. Investments: KiwiSaver, NZ, Australian and US shares, ETFs, managed funds, term deposits and crypto. Net Worth also takes property, vehicles and cash.
How can I pay my loans off faster?
Owly's Strategy page orders your debts using the avalanche, snowball or cashflow method, and shows exactly how much time and interest each one saves. An overpayment simulator lets you see how an extra $50 or $100 per fortnight changes your debt-free date.
Does Owly give financial advice?
No. Owly shows the numbers on your own loans and investments so you can make your own decisions. For personal advice, talk to a licensed financial adviser.
Got more questions? See all FAQs →