Free for New Zealanders
See all your debt in one place. Build a plan to pay it off faster.
Owly is a free debt dashboard built for New Zealanders. Add your loans, see what they're costing you every day, and find the fastest way to become debt-free.
Free forever. No credit card. No bank connection.
"Owly is brilliant! I've been really struggling to find something so simple."
— Kristie, Otago
Your debt dashboard — see your debt-free date, daily interest cost, and all your loans in one place.
Dashboard
Everything you owe, in one place
Mortgage, car loan, credit card, personal loan — Owly brings them all together. See your total debt, what it's costing you every day in interest, and your debt-free date the moment you add your loans. No spreadsheets. No guesswork.
Strategy
Find the fastest way out of debt
Avalanche, snowball, or cashflow — Owly runs the numbers on every strategy and shows you exactly how much time and interest each one saves. Simulate a lump sum or extra payment to see what happens to your debt-free date.
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.
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
Works with every type of NZ loan
Common questions
Does Owly connect to my bank?
No. You add your loan details manually, which means your data never leaves Owly. No open banking, no bank login required.
Is it really free?
Yes, completely. No credit card, no hidden fees, no premium tier. Owly is a public-good tool built to help New Zealanders get on top of their debt.
What if I have loans with different banks?
No problem. Owly works with any NZ lender — ANZ, ASB, BNZ, Westpac, Kiwibank, MTF Finance, and more. See all supported lenders →