Works well with
Sorted
Sorted points you in the right direction. Owly walks with you.
New Zealand's most trusted financial resource — paired with a debt payoff dashboard built for Kiwis.
The gap Sorted doesn't fill
Sorted is brilliant for understanding your financial situation. Their debt calculator, mortgage calculator, and guides help thousands of Kiwis make sense of their money every day. But Sorted is a starting point — it gives you a snapshot, not an ongoing plan. It can tell you what you owe. It can't tell you which loan to tackle first, what your debt is costing you every single day, or alert you before your refix date sneaks up on you. That's not a criticism — Sorted isn't trying to do those things. Owly is.
What Owly adds
See all your NZ loans in one live 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 Sorted to understand your financial position, learn about your options, and get your bearings. Use Owly to build your debt payoff plan and track your progress over time. Sorted gives you the knowledge. Owly gives you the dashboard.
Common questions
Does this replace Sorted?
Not at all. Sorted is a free government resource for financial education. Owly is a debt management dashboard. They do different jobs.
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.