Financial clarity for modern life.
Track spending, savings goals, and net worth in one calm, intelligent place. Cowry connects to your bank and helps you act, not just observe.
No credit card required · Cancel any time · Your data stays yours
Everything you need to manage money better
Purpose-built features for everyday Australian finances — not a generic finance app.
Open Banking
Connect your Australian bank accounts through CDR-compliant Open Banking. Transactions and balances sync automatically — no manual entry.
Smart Budgets
Create one-off or recurring budgets, get alerts before you overspend, and roll unspent balances forward automatically.
Savings Goals
Set a target, allocate funds, and watch your progress in real time. Automation rules keep you on track without the mental load.
Spending Insights
See exactly where your money goes with clean charts and category breakdowns. Understand habits and make better decisions faster.
AI Assistant
Ask questions, get personalised advice, and surface spending patterns you might have missed — powered by AI built for Australian finances.
Privacy First
Your data belongs to you. Bank-level encryption, CDR compliance, and a strict no-sell policy — always.
Your bank data, synced automatically.
Cowry connects to your Australian bank through secure CDR-compliant Open Banking. Transactions and balances stay up to date — no CSV exports, no manual entry, no surprises.
CDR Compliant
Full compliance with Australia's Consumer Data Right framework. You grant access, you revoke it — full control, always.
Automatic Sync
Transactions and balances refresh on your schedule. Set it once and your dashboard stays current without any effort.
Read-only Access
Cowry only reads your data — it cannot initiate payments or make changes to your accounts.
Budgets that actually work for you.
Create one-off or recurring budgets for any category. Cowry tracks your spending automatically, rolls over savings when you underspend, and notifies you before you go over.
Recurring Budgets
Set a budget once for rent, utilities, or subscriptions. It recreates itself automatically on the day you choose, every period.
Rollover Savings
Underspend this week? The surplus carries forward to next period so you're never starting from zero on the things that matter.
Budget Alerts
Get an email when a budget is nearing its end date so you can review spending before the period closes.
Major Australian banks and institutions available through our secure Open Banking connection.
Goals you can see yourself reaching.
Name your goal, set a target, and allocate funds. Track progress visually, add automation rules, and get notified as you close in on the finish line.
Progress Tracking
A clear visual shows how far you've come and how far you have to go. No spreadsheets, no guesswork.
Automation Rules
Set percentage-based rules that move money toward your goal automatically when your account balance allows.
Smart Suggestions
Cowry looks at your available cash and suggests a reasonable allocation so you can act immediately — no manual calculations.
Do it all with Cowry
Unified dashboard
Balance, recent transactions, active budgets, and savings goals — everything at a glance the moment you log in.
Custom categories
Organise spending with categories that fit your life, and label transactions directly from the transaction sheet.
Time-based insights
Analyse spending by day, week, month, or year. Spot patterns and make informed decisions with confidence.
AI assistant
Ask questions about your spending, get budget suggestions, and surface insights you might have missed.
Works everywhere
Cowry is a responsive web app — access your finances from any device, any browser, any time.
Privacy by design
Your data is encrypted in transit and at rest. We never sell or share your financial information.
Built on a foundation of trust.
Cowry exists because we believe you should own and control your financial data. Every decision — from our security model to our CDR integration — reflects that commitment.
No data selling. Ever.
Your financial information is yours. We don't sell it, share it, or use it to serve ads.
Bank-level encryption
TLS in transit, AES-256 at rest, and credentials stored with Clerk — the same authentication platform used by thousands of production apps.
Transparent access model
Open Banking access is read-only. You can revoke Cowry's connection at any time, directly through your bank.
Keep everything you love about managing money — and more
Works with Open Banking
Major Australian banks supported through CDR-compliant connections. Connect once, stay in sync.
AI-Powered Insights
Personalised financial observations and smart recommendations tailored to your spending patterns.
All your devices
Fully responsive across mobile, tablet, and desktop. Your budgets travel with you.
Financial protection
Bank-level security and CDR compliance, so your data is always safe and in your control.
Smart alerts
Email notifications for budgets nearing their end date, keeping you informed before it matters.
Comprehensive analytics
Spending trends, savings progress, and category breakdowns — everything you need to make better decisions.
Make sense of your money
Practical guides, tips, and insights on budgeting, saving, and building financial confidence — free for everyone.
No account needed — all articles are free to read. Explore Cowries →
Take control of your finances.
Join Australians who are already managing their money smarter with Cowry — budgets, goals, and insights in one calm place.