Works well with
YNAB
You give every dollar a job. Owly makes sure your debt dollars work as hard as possible.
YNAB is the gold standard for zero-based budgeting. Owly is the debt payoff engine built for New Zealand.
The gap YNAB doesn't fill
YNAB's loan planner is a useful starting point — but it's built for the US market. It doesn't understand fortnightly payments, NZ student loans at 0%, refix dates, or interest-only mortgages. If you're a Kiwi using YNAB to manage your budget, you're likely missing a clear picture of what your debt is actually costing you — and the fastest way to get rid of it.
What Owly adds
See all your NZ loans in one dashboard — balances, rates, daily interest cost, and your debt-free date
Run avalanche, snowball, or cashflow strategies built around fortnightly payments and NZ loan types
Get alerts before your refix date and before interest-only periods end — no expensive surprises
How they work together
Use YNAB to give every dollar a job and keep your budget on track. Use Owly to build your debt payoff plan with strategies designed for how Kiwis actually borrow. They don't overlap — they complete the picture.
Common questions
Does this replace YNAB?
Not at all. YNAB manages your budget. Owly manages your debt payoff plan. Most people use both.
Do I have to enter my loans manually?
Yes — and if you're a YNAB user, you're already used to that. Owly works the same way. Your data stays between you and the bird.
Is Owly really free?
Yes. No credit card, no hidden fees, no catch.