downloadDownloadsCSVtransactions_jun-sepPDFstatement_2026-09photo_cameraor photograph your statement
Finances ▾
Household book · OctoberNo income or expenses yet.
What would you like to add?photo_cameraImage RecognitionWorks for anythingupload_fileImport dataPDF/CSVedit_noteManual Entry
List importFile · 1 of 5Bring the list you already have.descriptiontransactions_jun-sep.csv48 KBauto_awesomeReady — OWNY reads the objects out of this file.checkCheckcheckClassifycheckCapturecheckValueupload_fileRead file
Here is what OWNY found.auto_awesome42 bookingsSalaryIncome+ 3,050.00 monthlyRentService− 1,150.00 monthlyElectricityService− 72.00 monthlyStreamingSubscription− 12.99 monthlyWeekly shopConsumable− 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 · OctoberConsumableshopping_basket 5 items from the receipt− 23.40FruitVegetablesCheeseBread & baked goodsEggs
PDFInvoice_electricianService− 380.00
Household book · OctobertuneBudgets
ConsumablewarningClose to Budget (≥80%)412.00 / €450
notifications_activeConsumable: 92% of the budget reached
€38 left before the limit
apartmentFlat≈ €310–340k
directions_carEstate car, 2019≈ €18–21k
chairSideboard≈ €900–1,200
deployed_codePhysical assetsNon-binding reference value · AI≈ €350k
Income & expensesIncome+ 3,049.24Expenses− 1,652.97BudgetsConsumable412 / €450warningClose to Budget (≥80%)Service96 / €200Subscription118 / €180
Big pictureProjection, not a promisetoday5 years10 yearsScenario “Parental leave 2027”hypothetical figures · grey: current statechild_careParental leavechild_careParental leavebeach_accessSabbaticalelderlyEarly retirement
Your household book in four steps
No bank access, the whole picture.
checkUpload your statementcheckPhotograph receiptscheckBudgets with alertscheckBig picture with your wealth
Build your whole picture – Try it free for 14 days.
Start for free
Try it free for 14 days · no payment details · ends by itself
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.
info
A real sample receipt: the amounts are the printed prices. Logo, address, tax and receipt numbers and names are blurred.
How to start?
A few steps to the whole picture.
From the first click to the projection of your wealth: this is how you set up OWNAMIC Finances. You can do step 1 right here.
12345678Set upon the first eveningFill inin the first daysDay to dayregularly after that
Step 1 of 8 · Set upYou've seen every step
Sign upStart now with step 1
Free for 14 days, no payment details. The trial ends by itself.
credit_card_offNo payment detailsblockNothing to cancel
Step 2 of 8 · Set up
Export your transactions
In your online banking, export the transactions of the last four months as CSV or PDF — or take photos of your bank statements.
account_balanceOnline banking›receipt_longTransactions›downloadCSV / PDF
account_balanceYour online bankingExample
TransactionsCurrent account
Period: 30 days4 months ▾
30 SeptSalary+ 3,050.00
1 SeptRent− 1,150.00
28 AugSupermarket− 86.40
15 AugElectricity− 72.00
downloadExport
CSV filePDF statement
downloadDownloadsCSVtransactions_jun-sepPDFstatement_2026-09photo_cameraor photograph your statement
Step 3 of 8 · Set up
Import income & expenses
Tap Plus → Capture without a photo → Import a file and bring in the income and expenses of the last few months.
add›keyboardCapture without a photo›upload_fileImport a fileOWNY
Finances ▾
Household book · OctoberNo income or expenses yet.
What would you like to add?photo_cameraImage RecognitionWorks for anythingupload_fileImport dataPDF/CSVedit_noteManual Entry
List importFile · 1 of 5Bring the list you already have.descriptiontransactions_jun-sep.csv48 KBauto_awesomeReady — OWNY reads the objects out of this file.checkCheckcheckClassifycheckCapturecheckValueupload_fileRead file
Here is what OWNY found.auto_awesome42 bookingsSalaryIncome+ 3,050.00 monthlyRentService− 1,150.00 monthlyElectricityService− 72.00 monthlyStreamingSubscription− 12.99 monthlyWeekly shopConsumable− 86.40
add
Step 4 of 8 · Set up
Add accounts & loans
Use Plus → Image Recognition or Manual Entry to add your account balances and running loans.
add›photo_cameraImage Recognition·orkeyboardCapture without a photo›edit_noteManual EntryOWNY
Household book · OctoberConsumableshopping_basket 5 items from the receipt− 23.40FruitVegetablesCheeseBread & baked goodsEggs
PDFInvoice_electricianService− 380.00
Step 8 of 8 · Day to day
Analyse & plan
Analyse your spending in the household book, steer it with budgets, keep the projection of your wealth in view in the big picture and see in the scenario “Income stops” how long your savings last – or play through parental leave, a sabbatical and early retirement.
Income & expensesIncome+ 3,049.24Expenses− 1,652.97BudgetsConsumable412 / €450warningClose to Budget (≥80%)Service96 / €200Subscription118 / €180
Big pictureProjection, not a promisetoday5 years10 yearsScenario “Parental leave 2027”hypothetical figures · grey: current statechild_careParental leavechild_careParental leavebeach_accessSabbaticalelderlyEarly retirement
The golden middle
Finance apps count your money. OWNAMIC also counts what is in the cupboard.
Between endless manual work and blind automation there is a better way: your assets, income and expenses in one place — and OWNY, your built-in AI helper, takes over the tedious admin.
78 %of German households’ gross wealth is physical assets – the part finance apps usually do not see.
Source: Deutsche Bundesbank, household wealth survey PHF 2021 (share computed from means).
By handThe golden middleAutomatic
edit_noteThe old way · Manual
Excel & inventory apps
Full control – endless manual work.
closeType everything in by hand
closeOut of date without constant upkeep
The golden middle
Everything in full context – OWNAMIC
Minimal input – maximum clarity.
checkValues, income & expenses united
checkEasy capturing by camera or file import (PDF and CSV)
checkOWNY takes over the admin
account_balanceThe old way · Automatic
Standard finance apps
Strong on accounts and transactions.
closePhysical assets are usually missing
closeFlat, car and collection stay outside
Income & expenses
Your household book — rethought.
A household book that calculates from your inventory – object by object, contract by contract.
account_balance
Works without a bank connection, too
No bank access needed: you decide what is recorded – by receipt, statement or by hand. In return every booking has the real object behind it: contract, device, policy. Exactly the details a bank analysis cuts down to “Direct debit 74.80”.
swap_vert
Both sides in one view
Salary, side income and allowances on the same page as rent, insurance and subscriptions — with fixed costs kept apart from what you steer yourself each month. Not a tool that only counts what goes out.
tune
Budgets you can see coming
Set a personal spending limit per type of spending. OWNAMIC colours the bar as soon as it gets tight – photograph your receipts straight away and you see it before you are over, not in next month's statement.
category
Broken down by type of spending
While reading, the AI assistant OWNY gives every line its type of spending – fruit, cheese, mineral water, video streaming. One click on “Consumable” shows where the month's money really went.
infoExample figures of a four-person household. OWNAMIC never accesses your bank account — you decide what is recorded.
OWNAMIC connects object values, remaining debt and monthly flows into one honest carry-forward.
A home, a small remaining loan, salary and living costs: this example shows how net worth develops when everything is viewed together. The remaining debt reaches zero after five years — and the yearly bars show honestly that the first years run a deficit while net worth still grows.
hubObject values, mortgages and recurring flows from the inventory feed one traceable calculation – no isolated numbers.
trending_downThe remaining-debt line comes from a real amortization schedule — in this example it reaches 0 after 5 years.
alt_routeWork out with your own figures how long your savings last if your income stops – and how parental leave, a sabbatical, early retirement or special repayments affect your big picture.
skip_nextYou don't have to start from scratch. If you only want to track income, expenses and loans, you can skip capturing objects entirely — the big picture works without a single item.
infoExample data for illustration — signed in, the big picture is computed from your own objects.
show_chartMarket linkCurrent prices for securities, crypto and precious metals — taken over automatically.See the detailsCollapseexpand_more
Market link
Financial values with a market link. Confirmed, and current every day.
Everywhere else a value is an estimate — a good one, but it ages. For shares and ETFs via the Frankfurt Stock Exchange, for US papers, cryptocurrencies and precious metals, OWNY finds the matching listing itself and proposes it. You confirm once. After that the value keeps itself current.
01automatic
OWNY recognises
For a recorded asset OWNY recognises whether there is a cryptocurrency, a precious metal or a listed security behind it — and proposes the link.
02your decision
You confirm
You see what the proposal rests on — name, ticker, exchange, currency and the date of the last price — and confirm it. Or reject it and search yourself.
03automatic
The value stays current
From your confirmation on, the value is a calculation with a named source. Prices are carried forward without you touching anything.
show_chart
ETF units MSCI World
Securities account · 137 units · recorded on 04/03/2026
help_outline
estimate
Value currently on file
approx. 16,500 €
edit_noteyour own estimate · last touched 03/2026
auto_awesomeProposal from OWNYchecked by you
There is a tradable paper behind this asset. What the proposal rests on:
Recognised name
iShares Core MSCI World UCITS ETF
Ticker
EUNL.F
Exchange
Frankfurt Stock Exchange (XFRA)
Currency
Euro
Last price
12/08/2026
Third-party sources behind dependable values
show_chartShares & ETFs
Marketstack
scheduleDaily closing prices
Frankfurt Stock Exchange for German shares and UCITS ETFs in euro, plus the US exchanges in US dollars.
Shares · ETFs · Indices
currency_bitcoinCrypto
CoinMarketCap
scheduleupdated intraday
Quoted against the euro
Bitcoin · Ethereum · further coins
tollPrecious metals
metals.dev
scheduleupdated intraday
Price per troy ounce, converted to grams
Gold · Silver · Platinum · Palladium
infoSecurities come in via the Frankfurt Stock Exchange in euro and via the US exchanges in US dollars. Not every paper is available — single bonds, non-listed funds and certificates are not; if OWNY finds no listing, the value stays your estimate. The date shown always belongs to the respective price, never to the moment of the lookup. Security prices are daily closing prices and may be delayed by up to 15 minutes, crypto and precious metals are carried forward intraday. OWNAMIC documents values and is not a broker, not a securities account and not a trading platform — no investment advice. Prices, curves and amounts in this illustration are placeholders.
For the moments that matter
Small choices, long horizons.
Some of the ways people quietly use OWNAMIC day after day, year after year.
insights consumer habits
Every euro, and where it really goes.
Highly detailed insights into your consume behavior — every imaginable type of expense and income, gently organised. See the patterns behind the spending, month after month, and decide with clear eyes.
account_balance_walletIncome & expenses across every category.
alt_route before a big decision
Run it through with your own figures.
A year of parental leave, retiring early, changing jobs, a special repayment on the mortgage: play the scenario against your real objects, debts and monthly flows and see what it does to your complete picture — before you decide, not after.
calculateOne traceable calculation across assets, debt and cashflow.
receipt_long household
Groceries, manuals, the everyday.
Last week's receipt becomes 14 catalogued items in seconds. Find the dishwasher manual in a tap. Track the budget you set for the wine cellar.
auto_awesomeOWNY extracts every item from a receipt photo.
Privacy by architecture
Built for things you don't tell anyone about.
language
Hosted in Germany
lock
Encrypted by default
block
No AI training on your data
do_not_disturb_on
Not for sale
Stored in German data centers. AI analysis on servers in the EU. Processed under the GDPR and the BDSG · we do not sell or share your data.
balanceNumbers from law and statisticsWhy documenting pays off — with sources.See the detailsCollapseexpand_more
Your benefit — evidenced
Numbers from law and statistics, not from promises.
Every figure comes from a statute, an official statistic or a named study. OWNAMIC names the fact and the source — you draw the conclusion yourself.
family_history
Provision & estate
Provision & asset overview
30 %
have documented accounts, custody accounts and safe-deposit boxes in full and discussed them with their heirs
schoolStudy / association
Only 30 % of Germans have documented their accounts, custody accounts and safe-deposit boxes in full and talked to their relatives about them. Dormant accounts are estimated to hold 2 to 9 billion euros — and there is no central register.
linkSource: Forsa on behalf of SOS-Kinderdörfer weltweit, February 2026, n = 1,622; estimates on dormant accounts: BMBF report / Verband Deutscher Erbenermittler.
account_balanceOWNAMIC keeps your asset overview ready and lets you share it with your relatives.
home_work
Everyday life & value retention
Contracts & subscriptions
60 €
one subscription, cancelled three months too late
calculateIllustrative example
A forgotten €20/month subscription adds up — across several contracts it quickly becomes a noticeable amount.
notifications_activeOWNAMIC reminds you in good time before the cancellation deadline.
account_balance_wallet
Tax
Tradesperson costs
1.200 €
20 % of labour costs, per year
gavel§ 35a Abs. 3 EStG
The state reimburses 20 % of tradesperson labour costs, up to €1,200 per year — subject to an invoice and cashless payment.
Household-related services carry a further deduction of up to €4,000 (§ 35a (2) EStG).
receipt_longOWNAMIC keeps receipts and proof of payment at hand.
Tax return
1.240 €
average refund · tax year 2022
bar_chartOfficial statistics
Those who file a tax return get an average of €1,240 back. Around 10.9 million employees file none at all. Work-related expenses above the €1,230 flat rate only count with a receipt.
linkSource: Federal Statistical Office, wage and income tax statistics (tax year 2022); Destatis on non-filing (2021).
savingsOWNAMIC collects receipts through the year and sorts them by tax category.
menu_bookAll sources for this sectionexpand_more
Forsa on behalf of SOS-Kinderdörfer weltweit: survey February 2026, n = 1,622 (press release 21 April 2026).
Estimates on dormant accounts: BMBF report; Verband Deutscher Erbenermittler.
Federal Statistical Office: wage and income tax statistics, tax year 2022; Destatis data on the filing rate 2021.
balanceStatutory amounts (§ 35a EStG, allowances, deadlines) are general figures at current status and no promise that they apply in your case. Statistical figures are averages or survey results of the source named with them; they describe the situation in the population, not your result with OWNAMIC. Value premiums from industry analyses depend on the object, its condition and the market. Whether and to what extent a benefit arises depends on the individual case. OWNAMIC does not replace tax, legal or insurance advice.
Move up a plan whenever you like, step down or cancel at the end of the term. Your data stays — or you take it with you.
Questions & answers
Frequently Asked Questions
Find answers to the most common questions about OWNAMIC.
There is no automatic matching between receipts and bank statements yet. When you import, you see every booking OWNY found before you save it – simply leave out the purchases you already captured from a receipt. Rent, electricity or subscriptions are kept as recurring contracts, not as single purchases.
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. Excel (XLSX), CAMT or MT940 are not supported.
As often as you like – there is no fixed rhythm and no automatic import. Many import their statement once a month. For recurring contracts with a paying account, OWNAMIC proposes the payments that are due; nothing is booked until you confirm.
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.
You can link securities, crypto currencies and precious metals to a market price – you confirm the link yourself. Prices are updated once a day; for securities these are closing prices, which may be delayed. Savings plans are a recurring purchase (daily to yearly, with an end date if you like), and the overall picture includes them.
shield_lockPrivacy & plansexpand_more
For automatic object recognition we use Google Gemini through the paid Gemini Enterprise Agent Platform. Which means: you pay for the software, not with your data. Processing takes place on servers within the European Union, and Google does not use your images and inputs to train its models. For how this works in detail, see our Data security page, our Privacy & Data Policy and our Terms & Conditions.
No. OWNAMIC does not train an AI of its own. For the AI features we use Google Gemini through the Gemini Enterprise Agent Platform on servers in the EU, and Google does not use your data there to train its models. If you would rather work without AI, simply switch OWNY off in the settings with “Without OWNY”.
The application and the database run on Hostinger servers in Frankfurt am Main; photos, documents and exports are kept in Microsoft Azure Storage, also in Frankfurt. Your content – objects, values, receipts, photos, documents and your conversations with OWNY – is stored encrypted with AES-256, and every connection is protected by TLS. Details we need in readable form to run the service, such as your e-mail address for signing in, are not additionally encrypted. When you use AI features, the content they need is sent to Google Gemini on servers in the EU. More on our Data security page and in our Privacy & Data Policy.
Not for their own purposes. To run OWNAMIC we use a small number of service providers that process your data only on our behalf – such as Hostinger and Microsoft Azure for hosting and storage, Stripe for payments and Google Gemini for the AI features on servers in the EU. Google does not use your inputs, files or the answers to train its models; to detect abuse, Google may log requests for a limited time. Beyond that, we do not share, sell, or transfer your personal or asset data to any third party for commercial, analytical, or advertising purposes. Every recipient is listed in our Privacy & Data Policy.
No. We do not sell, rent, or trade your personal data or asset information to any third party – and we never intend to. We are acutely aware of the sensitivity of the information you entrust to OWNAMIC and are fully committed to handling it with the utmost discretion, in strict compliance with applicable data protection law, including the GDPR. For the full framework governing your data, please consult our Privacy & Data Policy and Terms & Conditions.
Yes — through shared spaces. You contribute selected objects or collections to a space with up to five members. They see what you contribute; nobody but you can edit, delete or export your objects. Financial values stay hidden until you include them separately, and you can withdraw at any time. Please review our Terms & Conditions for the complete details on shared spaces.
Yes, explicitly. You can share your account with people you trust so they can help you capture and sort things. Whoever has your login sees and changes everything you see, so only share it with people you trust. If someone should only see selected things, use a shared space with up to five people, you included. Values stay hidden there until you include them.
Yes: OWNAMIC Lifetime costs €299 once — no subscription, no renewal, nothing to cancel. It includes all features, up to 20,000 objects, 50 GB of storage and 25,000 AI balance points that never expire. If you ever use them up, you can top up at any time. Lifetime applies for as long as OWNAMIC operates the service; discount codes apply to the subscription plans only.
Your objects stay fully usable — only the AI features pause. With a subscription your monthly balance renews at the start of the next period; with a subscription or OWNAMIC Lifetime you can also top up: 750 balance points cost €9.99 and never expire. Points you buy are spent only after your monthly balance.
Nothing is lost. Moving up takes effect immediately: the higher plan is billed pro rata and your AI balance rises to the new figure inside the running billing period — points you have already spent count against the new, higher balance, so the difference is available straight away. Stepping down is scheduled for the end of the running billing period: until then you keep your plan with all its benefits and can revoke the change at any time.
No object is ever deleted in the process. If your active object count sits above the lower plan's limit, every existing object stays fully usable — view, edit, export; only adding new objects is blocked until you are back below the limit or move up again.
After a cancellation your account stays in read-only mode once the paid term ends: objects and documents remain stored and visible to you, and you can export them at any time. We delete your data only when you explicitly ask us to.
Start for free
Free for 14 days, no payment details. All you need is your email address.
The golden middle
OWNY