PayOwl - Bill & Budget Tracker

4ks Studio

About this app

PayOwl is a personal-finance app for people who want to stop juggling bills, budgets, and savings goals across half a dozen tools. Connect your bank, drop in your bills and income, and let PayOwl turn the mess into a plan you can actually follow.

No ads. No upsells. Just your money, finally calm.

TRACK YOUR BILLS
Add every recurring bill: rent, utilities, subscriptions, loans, credit cards, anything that hits your account on a schedule. Each bill card shows what's due, what's been paid, and what's coming up next. Connect your bank and PayOwl automatically detects when a bill has been paid so you don't have to mark anything by hand. For debts, a built-in payoff strip shows exactly how close you are to being free.

BUDGET WHAT YOU SPEND
Pull in your real transactions through a secure bank connection, or log spending by hand if you prefer. Build spending trackers for the categories that matter most to you (groceries, eating out, gas, coffee, whatever you actually want to watch). Get a clear picture of where your money went this month, and where it's going next.

PLAN AHEAD
Build savings goals for an emergency fund, a vacation, a house, a wedding, a car, or anything else. Build payoff plans for credit cards and loans with a target date you set. PayOwl's plan engine recalculates the moment your bills, income, or spending change, so the numbers on screen are always the numbers that matter today, not last month.

MEET HOOT, YOUR PERSONAL ADVISOR
Hoot is a friendly AI assistant that reads your real money picture and gives plain-English guidance. Ask anything about your finances, get suggestions when your goals start to feel tight, or just hear Hoot's take on whether you're on track. Hoot is included with PayOwl Pro.

NEVER MISS A BILL
Get reminders for upcoming bill due dates. Bills that have already been paid stop reminding you automatically. Optional push notifications when something shifts in your cycle (a paycheck lands, a recurring charge changes amount, a plan gets back on track).

SEE YOUR MONEY CLEARLY
Spending breakdown by category and by merchant. Income versus expenses, month over month. Bills, revenue, and transactions all unified on one screen instead of seven tabs.

BUILT FOR PRIVACY
Bank connections go through Plaid, the same trusted provider used by major banks and finance apps. Your bank credentials never touch PayOwl. All data is encrypted in transit. Email-based two-factor authentication is on by default for every account, with a toggle in Settings if you'd rather sign in without it. You can delete your account and all of your data anytime, directly from inside the app or from payowl.app/delete-account.

FREE FOREVER
Add bills, income, and manual transactions. Use spending trackers. Build savings and payoff plans. Get notifications. Every core feature works on the free tier. No paywalls on the basics.

PAYOWL PRO
Connect unlimited bank accounts. Get automatic transaction sync. Use Hoot, your AI advisor. Get advanced spending analytics and subscription detection. Includes a 7-day money-back guarantee, no questions asked.

PayOwl is built by 4KS Studio, an independent developer. We don't sell your data, we don't show ads, and we don't make money from anything except the Pro subscription. The free tier stays free because everyone deserves to know where their money is going.

Try PayOwl today and see what calm money feels like.

What’s new

• PayOwl now speaks your currency! Pick your country and amounts show in £, €, kr and more, with banks from your region in bank connect
• A friendlier welcome for new members, from a small team that reads every suggestion
• Hoot the advisor got sharper: it sees overdue bills, spending pace, and tight months ahead, then suggests one clear next step
• Missed a payment? It stays on your radar until it's handled
• Fewer, better notifications: no pile-ups, no repeat pings
• Public Production Release