Works well with
PocketSmith
The budget tool Kiwis love — paired with the debt payoff engine they've been missing.
PocketSmith shows you where your money goes. Owly shows you when you'll be free.
The gap PocketSmith doesn't fill
PocketSmith is brilliant at tracking your spending, forecasting your cashflow, and showing you the full picture of your finances. But when it comes to your loans — mortgage, car, credit card, student debt — it can't tell you which one to pay off first, how much interest you're paying every day, or exactly when you'll be debt-free. That's not a criticism. Budgeting and debt management are different jobs. PocketSmith does budgeting brilliantly. Owly does debt.
What Owly adds
See all your loans in one dashboard — balances, rates, daily interest cost, and your debt-free date
Run avalanche, snowball, or cashflow strategies to find the fastest or most motivating way to pay off your debt
Get alerts before your refix date and before interest-only periods end — no expensive surprises
How they work together
Use PocketSmith to manage your spending and keep your budget on track. Use Owly to build your debt payoff plan and watch your debt-free date move. They don't overlap — they complete the picture.
Common questions
Does this replace PocketSmith?
Not at all. PocketSmith manages your budget. Owly manages your debt payoff plan. Most people use both.
Do I have to enter my loans manually?
Yes — and that's by design. Owly never connects to your bank. Your data stays between you and the bird.
Is Owly really free?
Yes. No credit card, no hidden fees, no catch.