For freelancers & small teams

Know what's actually yours.

Owna reserves your tax and bills the moment you get paid - then shows the one balance you can safely spend. No spreadsheets. No surprises.

★★★★★ 4.9 on the App StoreTrusted by 40,000+ owners
This week
Safe to spend
€8,240.00
Yours · €8,240Reserved · €4,240
Tax reserve€3,120
Bills€1,120
Connects withStripeQuickBooksWiseRevolutPayPal

One honest number, working quietly behind you.

Owna does the boring math the moment money lands, so you never overspend what isn't really yours.

Auto-reserve

Every payment is split for tax, VAT and bills before you can touch it. Set the rules once.

Safe-to-spend

A single live balance - what's left after everything you owe. The only number you need to check.

%

Tax, sorted

Owna tracks what you owe in real time and has it ready before the deadline ever arrives.

Owners using Owna keep 31% more in reserve.
€2.1B
reserved for tax to date
0
missed deadlines, on average
How it works

Set it once. Owna handles the rest.

01

Connect your accounts

Link the banks and tools you already use. Read-only, bank-grade encrypted.

02

Set your reserve rules

Tell Owna your tax rate and fixed bills. It splits every incoming payment automatically.

03

Spend with certainty

Check one number. If it's green, it's yours - no stress.

“For the first time in nine years of freelancing, I'm not afraid of January. Owna already has my tax sitting there, done.”

Mara Jelić
Independent designer, Zagreb

Start knowing your
real number today.

Free to open. Two minutes to set up. No card required.

Open your Owna account