Transaction Categorisation
Categorise every transaction with a rich taxonomy. Split transactions across multiple categories for accuracy.
Features
Everything you need,
Everything you need,
nothing you don't.
Running a household means juggling accounts, bills and budgets. Thrifty Owl brings them together so you spend less time on money admin — powerful enough for detail-oriented users, simple enough for everyone else.
Accounts
Your whole household's accounts, one dashboard
Connect everything — current accounts, savings, ISAs, credit cards, mortgages, and investment portfolios — and see your household's complete financial picture in real time, without logging in to a dozen places.
- Current & savings accounts
- Credit cards & loans
- Mortgage tracking
- Instant net-worth summary
Budgeting
Household budgets that actually work
Set monthly spending limits by category and watch your budget in real time. Get a clear view of where your household's money is going — and where you can save more.
- Category-based monthly budgets
- Yearly budgets for insurance, holidays and other once-a-year costs
- Visual spend vs budget bars
- Month-on-month comparison charts
Cash Flow
See your future balance today
Thrifty Owl projects your account balances forward based on your scheduled income, bills, and recurring transactions. No more unexpected surprises.
- 30-day, 90-day and next-year projections
- Scheduled income & bill awareness
- Scenario planning ("what if?")
Recurring Transactions
Never miss a household bill again
Schedule recurring income and expenses — salary, rent or mortgage, utilities, subscriptions, loan repayments. Thrifty Owl tracks them on a calendar so nothing slips through the cracks — and you never re-enter the same bill twice.
- Weekly, monthly, annual schedules
- Calendar view of upcoming bills
- Automatic balance projection
Sharing
Run your household finances together
Pro subscribers can share their household accounts with a partner, a family member or an accountant, so everyone works from the same up-to-date picture. You choose whether each person has read-only or editor access — and you can change it at any time.
- Viewer access is read-only; Editor access lets them add and change transactions
- Switch anyone between Viewer and Editor, or remove their access, whenever you like
- See who changed what: every transaction an Editor adds, edits or deletes is logged in your Activity
- The people you invite never need a paid account
And more
Every detail considered
Investment Tracking
Record buys, sells, dividends and splits for your shares and crypto, chart how their prices have moved, and see investment account balances alongside your everyday finances.
Microsoft Money Import
Migrating from Microsoft Money? Upload your existing data file and we'll bring your accounts, categories, and transaction history across. Large files are fine: we've imported over 25,000 transactions.
Works on Any Device
Fully responsive web app. Access your finances on your phone, tablet, or desktop — no app to download.
Secure Authentication
Sign in with email or Google. Two-factor authentication available. All sessions are encrypted and time-limited.
Spending Reports
Interactive charts showing monthly trends, category breakdowns, income versus spending, and month-over-month comparisons.
Connect Your AI Assistant (Pro)
Connect your own AI assistant, such as Claude, and ask questions about your data in plain English. Each connection is read-only by default; choose write access for a connection if you want the assistant to add transactions or recategorise them for you. We never store what you ask or what it's sent.
Ready to see what's left to spend?
Free to get started — no credit card required. Sample accounts are ready to explore the moment you sign up.