The clearest mirror to your money.
Cowry reflects what your money is actually doing — safe-to-spend, budgets, goals, and a private reading of your own spending. Built only from your transactions, so you can act, not just observe.
No credit card required · Cancel any time · Your data stays yours
The clearest view of your money
Not a generic finance app — a calm, private mirror that reflects what your money is actually doing, and helps you act on it.
Safe to spend today
After bills, budgets, and goals are accounted for, Cowry shows one honest number: what you can actually spend today.
Plan, in one equation
Income minus bills, budgets, and goals — a single live equation you can push on to see exactly what is left.
Cowry for thought
A short, private reading of your own money — a mirror, not advice — built only from your transactions, and only when you ask.
Ask anything about your activity
Ask plain questions about your spending and get grounded answers, with the exact transactions behind every figure.
Find the quiet leaks
Cowry surfaces forgotten subscriptions, creeping prices, and foreign fees that quietly add up over the year.
A private mirror
Your data is yours. Read-only access, consent you control, and a strict no-sell policy — always.
Always know what's safe to spend.
Cowry does the math the moment you open it: income, minus the bills already spoken for, minus your budgets and goals. What's left is one honest number — your safe-to-spend for today.
One clear number
No mental arithmetic. Cowry sets aside what's already committed and shows what's genuinely free to spend right now.
Already spoken for
See the bills and commitments coming up on a simple timeline, so today's number is never a surprise tomorrow.
Goals kept whole
Money you've set aside for goals stays out of your spendable balance until you decide to touch it.
A private reading of your money.
When you're ready, Cowry writes a short, plain-English reading of what your money did — a mirror, not advice. It's built only from your own transactions, and only when you ask for it.
Just for you
The reading is generated from your data alone. It's never used to train models, and never sold or shared.
Ask anything about your activity
Follow up in plain language — “how much did I spend on coffee?” — and get answers with the exact transactions behind them.
Only when you say so
Nothing is read until you give consent, and you can turn it off at any time. Your money, your call.
The best mirror to your money.
Most money apps talk over you — pushing budgets, scores, and advice you never asked for. Cowry does something quieter: it reflects. It shows you what your money is actually doing, in language you'd use yourself, so the next step is obvious.
A mirror is only useful if it's honest and only yours. That's why everything Cowry shows is built from your own transactions, works only when you say so, and never leaves your control.
Reflects, never judges
No shame, no nudging. Just a clear, faithful picture of where your money went.
Private by default
Your data stays yours. Read-only access, consent you control, and never sold.
Made to act on
Clarity is the point. Every view is designed so you can decide and move on.
Connect your bank, or just upload a statement.
Link your bank through secure Open Banking for automatic, read-only syncing — or simply upload a statement to get going in minutes. Either way, your data stays yours.
Open Banking
Where available, connect through secure Consumer Data Right (CDR) Open Banking. Read-only, and you can revoke access at any time.
Upload a statement
No connection needed. Upload a bank statement from the nav bar and Cowry gets to work — perfect for accounts Open Banking can't reach yet.
Read-only, always
However your data arrives, Cowry can only read it. It can never move money or make changes to your accounts.
Banks and institutions available today through our secure Open Banking connection.
Everything Cowry does
Today dashboard
Balance, safe-to-spend, upcoming bills, budgets, and goals — the whole picture the moment you log in.
Plan: budgets & goals
Recurring and one-off budgets, rollover savings, and goals with automation rules and smart suggestions.
Ask about your activity
Plain questions about your spending, answered with the exact transactions behind every figure.
Money leaks & insights
Forgotten subscriptions, creeping prices, foreign fees, and income smoothing — surfaced automatically.
End-of-year tax pack
Pull a tidy summary of the transactions that matter, so tax time is a lot less painful.
Smart alerts
Email notifications when a budget is nearing its end date, so you stay informed before it matters.
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 how we connect to your bank — 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.
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.
See your money clearly with Cowry — safe-to-spend, budgets, goals, and a private reading, all in one calm place.