Multi-Account Management
Track all your accounts in one place — current, savings, credit cards, loans, and investment portfolios. A complete picture of your financial life.
Take control of your finances, from anywhere.
The modern, cloud-based replacement for Microsoft Money. Track every penny, plan every pound — beautifully, and from any device.
No credit card · No data selling · Bank-grade security
Features
Everything you need to manage your money
Thrifty Owl combines powerful financial tools with a beautifully intuitive interface. From daily spending to long-term investment goals — it's all here.
Smart Budgeting
Set budgets by category, track spending in real time, and get alerts before you overspend. Turn financial goals into reality with structured plans.
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 recurring transactions, subscriptions, and transfers. Never miss a payment again with a calendar view of every upcoming bill.
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.
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 GitHub account. No credit card, no commitments, no catch.
Add your accounts
Enter your 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 financial picture come together in real time. Your money, finally under control.
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
- Transaction tracking & categorisation
- Monthly budgeting
- Recurring bills calendar Coming soon
- 2 years of history
Most Popular
Pro
£
4
.99 / month
Billed annually at £59.88/year
Unlock the full power of Thrifty Owl for serious financial management.
- Unlimited accounts
- Full transaction history
- Investment & loan tracking Coming soon
- Advanced cash flow forecasting Coming soon
- Priority support
Ready to take control of your money?
Join thousands of people who've replaced their old desktop software with a modern, cloud-based experience. Free to start — forever.