Every euro,
already sorted.

Owna sits between your income and your spending, and does the boring math in the moment money lands.

Paid → split. Instantly.

Set your tax rate and fixed bills once. Every incoming payment is divided before it hits your spending balance.

One honest number.

After tax, bills and reserves come out, Owna shows the single balance that's truly yours — live. The only number you need to check.

Create invoices with your logo, send them as a PDF, and track status — paid invoices flow into your books.

Get paid in any currency and keep your books in one. Convert at today's rate or enter the exact amount that landed.

Download your transactions and invoices as CSV, or delete everything in one click. No lock-in, no data resale.