Your bank balance includes tax you haven't paid yet, bills that haven't cleared, and money that's already spoken for. Spending from that number is how freelancers end up broke at tax time.
Accounting software is built for accountants. Budgeting apps assume a salary. Neither answers the one question freelancers actually need answered: what can I safely spend right now?
Most freelancers either maintain a complex spreadsheet - a full-time job in itself - or they just guess and hope for the best. Neither is sustainable.
“We kept hearing the same thing: ‘I got paid €12,000 last month but I have no idea if I can afford to buy a laptop.’ That's the problem Owna exists to solve.”
Owna is built around the belief that financial clarity shouldn't require hours of reconciliation. One live balance, always current, always honest.
Tax and bills are separated the moment money lands - before you can touch them. Not a reminder. Not a suggestion. Done automatically.
We don't assume you have an accountant. We don't assume you know what 'accrual' means. We just show you what's yours.
“For the first time in nine years of freelancing, I'm not afraid of January. Owna already has my tax sitting there, done.”