Dashboard
See everything in one place
Mortgage, car loan, credit card, student debt — all your loans in a single dashboard. Know exactly what you owe, what it's costing you daily, and when you'll be free.
Strategy
Pay it off faster
Avalanche, snowball, or cashflow — Owly runs the numbers on every strategy and shows you exactly how much time and interest each one saves. Then simulate a lump sum or overpayment to see your debt-free date move.
Alerts
Stay ahead of what’s coming
Refix dates, interest-only periods ending, buy-now-pay-later traps — Owly flags them before they bite. No surprises, no missed windows, no expensive rollovers you didn't mean to accept.
What Kiwis are saying about tracking their debt with Owly
Owly is brilliant! I've been really struggling to find something so simple.
— Kristie, Otago
Owly is so easy to use — even the Learn section is helpful.
— Brooke, Northland
Owly's sign up process was super easy and fast — I could log in immediately.
— Munira, Auckland
Common questions
Is Owly free to use?
Yes — Owly is completely free. No credit card required, no hidden fees.
Does Owly connect to my bank?
No. Owly is manual entry by design. You add your loans yourself — no bank logins, no open banking connections. Your data stays between you and the bird.
What types of loans can I track?
Mortgages (fixed and floating), car loans, personal loans, hire purchase, credit cards, student loans, business loans, and revolving credit facilities.
How can I pay my loans off faster?
Owly's Strategy page orders your debts using avalanche, snowball, or cashflow methods — and shows exactly how much time and interest each approach saves. An overpayment simulator lets you see how an extra $50 or $100 per fortnight changes your debt-free date.
Got more questions? See all FAQs →