A bill tracker that never touches your bank.
No login. No account. No Plaid. No cloud. Your bills live on your phone and nowhere else.
Free · No ads · No accounts · No tracking
[ MOCKUP — REPLACE WITH REAL SCREENSHOTS ]
This app collects nothing.
No analytics. No tracking. No advertising. No servers. We couldn't see your data if we wanted to, because it never leaves your phone.
Why no bank connection is the feature.
Every other bill app connects to your bank through a service called Plaid. That's why they break. The sync fails, you re-authorize, your bank changes something, it fails again, and eventually you stop opening the app.
Owely doesn't connect to anything. There's nothing to break, nothing to re-authorize, and nothing to leak.
The reminders work.
Owely's reminders are scheduled by your phone's operating system, not by the app. They arrive whether the app is open, closed, or hasn't been touched in a month. You can mark a bill paid straight from the notification.
Bills that change, handled properly.
Your electric bill isn't $128 every month. Most apps make you pick one number and live with it. Owely tracks what you expected to pay and what it actually came to, learns your averages, and never rewrites a month you've already paid.
See it by paycheck, not by month.
The real question isn't "what do I owe this month." It's "can this paycheck cover what lands before the next one." Owely groups your bills by the paycheck that has to cover them, and tells you what's left over.
What it costs you to exist.
One number, on one screen: your true monthly fixed cost, with annual and six-month bills folded in properly. Most people can't say this number within $300.
What Owely doesn't do.
It doesn't connect to your bank. It doesn't sync to a spouse. It doesn't track your spending or build you a budget. It doesn't cancel subscriptions on your behalf.
It tracks your bills, reminds you, and stays out of your business.
Ready
to try it?
Free. No ads. No accounts. No tracking.
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