receipt_longFor your household, alone or together

The household budget app with AI capture and traffic-light limits – forget Excel.

Scan the receipt, done: OWNY, the AI assistant, records every item. Set a limit per kind of spending – the bar changes colour as soon as it gets tight, not only on your bank statement.

Try it free for 14 days No payment details · ends automatically

Runs in the browser on your phone, Windows PC and Mac – nothing to install, and as an app on your home screen if you like.

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

14 days free · no payment details · then from €3.49/month or without a subscription

How it works – pick a step

Live preview

Step 1 / 4

account_balanceYour online banking Example

TransactionsCurrent account

Period: 30 days4 months ▾

30 Sept Salary + 3,050.00

1 Sept Rent − 1,150.00

28 Aug Supermarket − 86.40

15 Aug Electricity − 72.00

downloadExport

downloadDownloads CSVtransactions_jun-sep PDFstatement_2026-09 photo_cameraor photograph your statement

Finances ▾

Household book · October No income or expenses yet.

What would you like to add? photo_cameraImage RecognitionWorks for anything upload_fileImport dataPDF/CSV edit_noteManual Entry

List importFile · 1 of 5 Bring the list you already have. descriptiontransactions_jun-sep.csv48 KB auto_awesomeReady — OWNY reads the objects out of this file. checkCheckcheckClassifycheckCapturecheckValue upload_fileRead file

Here is what OWNY found. auto_awesome42 bookings Salary Income + 3,050.00 monthlyRent Service − 1,150.00 monthlyElectricity Service − 72.00 monthlyStreaming Subscription − 12.99 monthlyWeekly shop Consumable − 86.40

add

This week

MoTuWeThFrSaSu

FARMERS' MARKET

Elstar apples 1.2 kg3.48

Tomatoes 500 g2.90

Mountain cheese 250 g6.25

Farmhouse bread4.80

Eggs, 105.97

TOTAL EUR23.40

Photo series · 5 receipts

Household book · OctoberConsumable shopping_basket 5 items from the receipt− 23.40 FruitVegetablesCheeseBread & baked goodsEggs

PDFInvoice_electrician Service− 380.00

Household book · October tuneBudgets

ConsumablewarningClose to Budget (≥80%) 412.00 / €450

Subscription 118.00 / €180

Service 96.00 / €200

shopping_basket Farmers' market, LindenplatzConsumable · Fruit, Vegetables, Cheese, Bread & baked goods, Eggs − 23.40

notifications_active Consumable: 92% of the budget reached €38 left before the limit

Income & expenses Income+ 3,049.24 Expenses− 1,652.97 BudgetsConsumable412 / €450 warningClose to Budget (≥80%)Service96 / €200 Subscription118 / €180

Big pictureProjection, not a promise today5 years10 years child_careParental leave child_careParental leave beach_accessSabbatical elderlyEarly retirement

Your household book in four steps

No bank access, the whole picture.

Paperwork done in secondsNever type up a receipt againWarned before money gets tightRoom for what matters

Build your whole picture – Try it free for 14 days.

In the app

Scan a receipt, keep a household book. One photo, every line.

One till slip, photographed once: OWNY reads all 28 lines with price and quantity, the purchase is assigned to the current account and lands in the household book – without typing a single line.

From the receipt to the household book. Recorded in the real app.

A real sample receipt: the amounts are the printed prices. Logo, address, tax and receipt numbers and names are blurred.

What OWNAMIC takes off your hands

A household book you actually keep.

Hand copying a till slip into a squared notebook with a pencil

Photograph the receipt

OWNY records every item with its price and kind of spending such as fruit or cheese – you only confirm. Without typing a single line.
Budgets with traffic lights

Set a limit per kind of spending. The bar changes colour as soon as it gets tight – not only on next month’s statement.
Statements without a bank connection

Upload your statement as CSV, PDF or photo – from any bank. Rent, electricity and subscriptions become running contracts.
Together as a couple or family

One shared account, or one each with a shared space for up to five people – you see the same spending.

What you can rely on

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 story

Pricing

Two plans to start with.

All prices in euros incl. VAT, invoiced from Germany. All plans: encrypted storage in Germany, AI analysis in the EU.

Start lean

Starter

Get to know OWNY and OWNAMIC

€ 3,49 / month incl. VAT

or 34,99 € yearly

Every OWNAMIC feature, with a smaller AI balance — for everyone who likes to enter things themselves.

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

Enough each month for about 8 big shops of 28 lines or 20 smaller ones of 12 – one point per line.

Details

250points / month

One point per line on the receipt. Typically enough for 8 big shops of 28 lines each or 20 smaller ones of 12 · or 250 captured items. Freely combinable. A bank statement, too, costs one point per entry recognised.

Manual entries are unlimited and use no AI balance.

Recommended to get started

Basic

Comfortably capture and organise household items, purchases and finances every day

€ 7,99 / month incl. VAT

or 79,99 € yearly

14-day free trial · cancel anytime

checkEverything included in Starter
checkTry it free for 14 days

Enough each month for about 26 big shops of 28 lines or 62 smaller ones of 12 – one point per line.

During the trial, 250 points cover about 8 big shops of 28 lines each or 20 smaller ones of 12.

Details

750points / month

One point per line on the receipt. Typically enough for 26 big shops of 28 lines each or 62 smaller ones of 12 · or 750 captured items. Freely combinable. A bank statement, too, costs one point per entry recognised.

Manual entries are unlimited and use no AI balance.

During the 14-day trial: 250 points.

Prefer to pay once?

OWNAMIC Lifetime

€ 299 one-time

Pay once, use it for good.

All taken care of — no subscription.

Digitise collections, estates and household contents. Attach manuals and receipts. And your complete financial overview in one place.

Includes 25,000 AI balance points — a generous balance that stays yours for good. It never expires.

Get Lifetime arrow_forward

More objects, more storage, more AI balance? Plans for advanced users: Pro & Premium arrow_forward

Frequently asked questions

Is the household book free?

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, Basic with more AI balance for receipts a little more. There is no advertising or data selling in return.

Which banks and file formats can I import?

Bank statements as a CSV or PDF file (up to 10 MB, CSV up to 2,000 rows) or as a photo or screenshot. OWNY reads the bookings, whichever bank they come from. There is no direct bank connection: you decide what you upload. Save an Excel spreadsheet as CSV first; CAMT and MT940 are not supported.

Can we keep a household book together as a couple?

Yes, in two ways. You share one account – then you both see and change everything; share your access only with people you trust. Or each of you has an account of your own and you bring your objects and contracts into a shared space (up to five people). If the person who created the space includes the financial data, you see expenses and the overall picture together there – each of you can only change your own entries.

Can I bring my household book over from Excel?

Yes. Save your spreadsheet in Excel as a CSV file and upload it: OWNY reads the rows as bookings – whether it is a bank statement or your own list. Recurring payments such as rent or subscriptions become running contracts. You see every recognised booking before you save it.

Photograph your next receipt – and see what is left of the month.

Try it free for 14 days 14 days free · no payment details · then from €3.49/month or without a subscription

Scan a receipt, keep a household book. One photo, every line.

A household book you actually keep.

Photograph the receipt

Budgets with traffic lights

Statements without a bank connection

Together as a couple or family