Multi-Account Management
Track every account your household holds in one place — current, savings, credit cards, loans, mortgages and investments. One complete picture instead of a pile of logins.
Know what's left to spend after every bill.
All your household's accounts, bills and budgets in one place — so you spend less time on admin and more time on what matters. The modern, cloud-based replacement for Microsoft Money.
Cancel any time. Your data stays yours - request a full copy whenever you like.
No credit card · No data selling · Bank-grade security
No bank connection, by design
Thrifty Owl doesn't link to your bank, so it never needs your banking login. You add transactions yourself, import a Microsoft Money file, and reconcile against your statements. That takes a little more effort than automatic feeds, and it keeps your bank credentials out of the picture entirely. See how getting your data in works →
Features
Everything your household needs to manage its money
Stop juggling spreadsheets, bank apps and paper statements. Thrifty Owl brings the whole household's finances together — from the weekly shop to long-term investment goals.
Smart Budgeting
Set budgets by category for the whole household and track spending in real time, so everyone knows where the money is going.
Cash Flow Forecasting
See your projected balance weeks or months ahead. Plan for upcoming bills and income to avoid surprises and stay confidently in control.
Recurring Bills & Reminders
Schedule the mortgage, utilities, subscriptions and transfers once. A calendar view of every upcoming household bill means no missed payments and no manual entry.
Detailed Reports & Charts
Visualise spending trends, income versus expenses, and category breakdowns with beautiful interactive charts. Insights that drive better decisions.
Secure & Private by Design
Your financial data is encrypted in transit and at rest. We never sell your data or show you ads. What's yours stays yours, always.
The real thing
See what's coming, before it hits your account
Set your limits and schedule your bills and income once. Thrifty Owl shows what's left to budget and projects your balance forward, so there are no surprises.
Screenshots use sample data. New accounts start with the same sample accounts, so you can explore straight away.
Getting started
Up and running in minutes
No complicated setup, no financial jargon. Just a clean, simple path from sign-up to financial clarity.
Create your free account
Sign up in seconds with your email or Google account. No credit card, no commitments, no catch.
Add your accounts
Enter your household's bank accounts, savings pots, credit cards, and investments. Import from Microsoft Money or add transactions manually.
Take control
Set budgets, schedule bills, and watch your household's financial picture come together in real time — with far less effort.
Pricing
Simple, honest pricing
Start for free and upgrade when you're ready. No hidden fees, no data harvesting — just great software at a fair price.
Free
£
0
/ month
Everything you need to get started. Free forever — no time limit.
- Up to 2 accounts
- Unlimited transactions
- Transaction categorisation & split
- Monthly budgets
- Recurring bills calendar
- Spending reports (limited)
- 2 years of history
- Home inventory (limited)
- Cash flow forecasting (up to 90 days)
- What If's scenario planning (up to 90 days)
Most Popular
Pro
£
5
.99 / month
less than two cups of coffee
Billed annually at £71.88/year
Unlock the full power of Thrifty Owl for serious financial management.
- Unlimited accounts
- Unlimited transactions
- Transaction categorisation & split
- Monthly & annual budgets
- Recurring bills calendar
- Advanced reports & charts
- Full transaction history
- Investment tracking
- Loan tracking
- Home inventory (unlimited)
- Share your account with another person
- Connect your own AI assistant (read-only, or read & write)
- Unlimited cash flow forecasting
- Unlimited What If's scenario planning
- Priority support
Try Pro free for 14 days. No payment up front, and we only charge you if you keep it.
Cancel any time. Your data stays yours - request a full copy whenever you like.
Ready to see what's left to spend?
Create a free account and start with sample accounts already in place, so you can see how it works straight away. Free forever — no credit card needed.