Money that sorts itself.
Three things happen the second you get paid.
Auto-reserve
Every payment splits itself, tax to tax, bills to bills, before you can touch it.
One honest number
A single live balance, what's left after everything you owe. The only number to check.
Tax, already there
Owna tracks your liability in real time and has it waiting before any deadline.
01
Log payments in seconds
Record income and expenses in a tap — in any currency — or bring your history in with a CSV import.
02
Set your reserve rules
Tell Owna your tax rate and fixed bills, and it splits every payment automatically.
03
Spend with certainty
If the number is bright, it's yours. Guilt-free, math done.
From the maker
“I built Owna because I was tired of guessing how much of my income was actually mine. It sets tax and bills aside the moment you're paid — so the number you see is the number you can safely spend.”
— The Owna founder