A household budget that holds? Budgets with traffic lights, spending from the receipt.
Decide what groceries, leisure or toiletries may cost each month. OWNAMIC takes every purchase off the receipt and shows you, before it gets tight, where you can adjust.
- No bank connection: import your statement as CSV or PDF
- Stored in Germany
- Your data is never sold
- Data protection
- Prices, also without a subscription
- Income and fixed costsSalary, rent, electricity and subscriptions as running contracts – set up once, there every month.
- Budgets per kind of spendingA limit for groceries, toiletries or leisure – from your own figures.
- Photograph your shoppingEvery receipt counts towards its budget, the traffic light shows where you stand.
A household budget that keeps up every month.
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Traffic-light budgets
An amount and a period for every kind of spending. The bar changes colour as soon as a budget runs low.
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Fixed costs as contracts
Rent, insurance, electricity and subscriptions run as contracts with amount and interval. OWNAMIC suggests payments that are due; they are booked once you confirm.
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Spending from the receipt
OWNY books every item into its kind of spending – the toothpaste on the supermarket receipt does not end up in the grocery budget.
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Monthly balance
Income, fixed costs and shopping at a glance, with a balance that shows what is left.
Private, encrypted, stored in Germany.
- Stored in Germany Encrypted with AES-256 on servers in Germany; the AI analysis runs in the EU.
- Your data is never sold No advertising with your entries, nothing passed on to third parties. You pay with your plan, not with your data.
- AI only when you want it OWNY, the AI assistant, recognises and suggests – nothing is saved until you confirm it. You can switch it off, too.
- No bank connection: import your statement as CSV or PDF You upload statements yourself as CSV, PDF or photo. OWNAMIC needs no access to your account and no banking credentials.
How OWNAMIC protects your data
“There is a better way between Excel and a finance app: with the receipt scan, OWNAMIC shows you where your money really goes.”
Adrian
Founder of OWNAMIC · new since 2026
Read the founder storyTwo plans to start with.
Starter
- check5,000 Assets of any kind – total in your account, not per month
- check3 GB Storage for pictures, certificates, or manuals
- checkAES-256 Encryption of any sensitive information
Details
Basic
- checkEverything included in Starter
- checkTry it free for 14 days
Details
OWNAMIC Lifetime
All taken care of — no subscription.
Digitise collections, estates and household contents. Attach manuals and receipts. And your complete financial overview in one place.
Frequently asked questions
Do I need a household budget template?
No. Instead of a table you set up budgets in OWNAMIC for the kinds of spending you care about, and your fixed costs as contracts. The figures come from your receipts and statements, not from formulas. An Excel list you bring over as CSV.
Does it work without a bank connection?
Yes. There is no direct bank connection: you upload statements as a CSV or PDF file or as a photo, from whichever bank, and photograph your receipts. You decide what goes into OWNAMIC.
What does the budget planner cost?
You try OWNAMIC free for 14 days, without payment details; the trial ends by itself. After that the Starter plan costs 3,49 € a month. Budgets, contracts and the household book come with every plan.