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.
Thrifty Owl is built around real workflows, not spreadsheet logic. Powerful enough for detail-oriented users, simple enough for everyone else.
Accounts
All your accounts, one dashboard
Connect everything — current accounts, savings, ISAs, credit cards, mortgages, and investment portfolios — and see your complete financial picture in real time.
- Current & savings accounts
- Credit cards & loans
- Mortgage tracking
- ISA & investment accounts
- Instant net-worth summary
Budgeting
Budgets that actually work
Set monthly spending limits by category and watch your budget in real time. Get a clear view of where your money is going — and where you can save more.
- Category-based monthly budgets
- Visual spend vs budget bars
- Rollover unspent budget to next month
- Budget alerts before you overspend
- Year-on-year 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, 60, 90-day projections
- Scheduled income & bill awareness
- Balance warning alerts
- Scenario planning ("what if?")
Recurring Transactions
Never miss a bill again
Schedule recurring income and expenses — salary, rent, subscriptions, loan repayments. Thrifty Owl tracks them on a calendar so nothing slips through the cracks.
- Weekly, monthly, annual schedules
- Calendar view of upcoming bills
- Automatic balance projection
- Subscription spend tracker
And more
Every detail considered
Investment Tracking
Monitor portfolio performance, track dividends, 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.
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 GitHub. Two-factor authentication available. All sessions are encrypted and time-limited.
Spending Reports
Interactive charts showing monthly trends, category breakdowns, income versus spending, and year-over-year comparisons.
Ready to try it for yourself?
Free to get started — no credit card required. All features available from day one.