Your banking app sees what is there – not where you are heading. The big picture shows the course, the household book keeps you on it.
Elstar apples 1.2 kg3.48Fruit
Tomatoes 500 g2.90Vegetables
Mountain cheese 250 g6.25Cheese
Farmhouse bread4.80Bread & baked goods
Eggs, 105.97Eggs
5 items recognisedTOTAL EUR23.40
CASH25.00
CHANGE1.60
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Try it free for 14 days · no payment details · ends by itself
Build your whole picture – freeIncome, loans, fixed costs, everyday spending and assets in one picture – carried forward with inflation and income growth. No spreadsheet, no formulas.
The monthly balance shows what is left after fixed costs and purchases. So you step in before one month becomes a trend.
On your start page, compass and helm sit side by side: the big picture in small on the left, the month's household book on the right.
Often it only works with a loan – with interest, repayments and equity. The big picture shows what that means for the years ahead.
This is where it gets tight. Try what helps: more equity, a different rate, a higher savings rate – and see at once how the line changes.
A large part of the salary drops away, perhaps part-time after that. Lower your income for those months – to the parental benefit, for example.
This is where it gets tight. See how it affects your net worth – and whether you want to put more aside beforehand.
A holiday with the whole family quickly costs several thousand euros. Entered once, the big picture counts it in every year.
It fits. The line stays within the corridor. Whether the holiday budget holds, the helm shows you every month.
Made-up example household. In the big picture you enter the expense with your date and your amount – or pick a template such as parental leave, sabbatical or “Income stops”.
Then you adjust course – with a budget, a contract or your savings rate.
Income, fixed costs and every purchase down to the item – with budgets from your setup and a monthly balance that shows what is left.
To the household bookBetween 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).
Full control – endless manual work.
The golden middle
Minimal input – maximum clarity.
Strong on accounts and transactions.
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.
What the carry-forward actually rests on. Every kind of input that is not recorded is calculated as zero and makes the curve too optimistic.
| check_circle | Income | 5,300 € | entire horizon |
| check_circle | Fixed costs | 2,600 € | entire horizon |
| check_circle | Variable costs | 619 € | from 30 purchases |
| check_circle | Assets | 417,000 € | |
| check_circle | Debt | 2,200 € | until year 5 |
| check_circle | Savings plans | 200 € | entire horizon |
It shows what you have entered and carries it forward.
The decision is yours.
Rough figures are enough to start. OWNY asks you one thing at a time – your first big picture stands in about three minutes. It gets more precise later, entry by entry.
Build your whole picture – free 14 days free · no payment details · then from €3.49/month or without a subscriptionThe whole picture first, then everyday life: this is how you set up OWNAMIC Finances. You can do step 1 right here.
Step 1 of 6 · Set upYou've seen every step
Free for 14 days, no payment details. The trial ends by itself.
Registration is subject to our Terms and Conditions and Privacy Notice.
Step 2 of 6 · Set up
Use Plus → Image Recognition or Manual Entry to add your account balances and running loans.
Image RecognitionorCapture without a photoManual Entry
OWNY
Step 3 of 6 · Set up
Capture your most important physical assets – property, a collection or furniture – with a photo, a photo series or a short video through the room.
Image RecognitionOWNY
Step 4 of 6 · Add later
Upload a screenshot from your broker app, link ETFs, precious metals and crypto to the daily price and record your running savings plans.
Image RecognitionLink live priceOWNY
Step 5 of 6 · Add later
Collect your receipts and scan them in one go at the weekend. Upload invoices as PDF.
Photo seriesorPDFOWNY
Step 6 of 6 · Add later
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.
For a recorded asset OWNY recognises whether there is a cryptocurrency, a precious metal or a listed security behind it — and proposes the link.
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.
From your confirmation on, the value is a calculation with a named source. Prices are carried forward without you touching anything.
There is a tradable paper behind this asset. What the proposal rests on:
Frankfurt Stock Exchange for German shares and UCITS ETFs in euro, plus the US exchanges in US dollars.
Shares · ETFs · Indices
Quoted against the euro
Bitcoin · Ethereum · further coins
Price per troy ounce, converted to grams
Gold · Silver · Platinum · Palladium
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.
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.
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.
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.
link Source: Forsa on behalf of SOS-Kinderdörfer weltweit, February 2026, n = 1,622; estimates on dormant accounts: BMBF report / Verband Deutscher Erbenermittler.
A forgotten €20/month subscription adds up — across several contracts it quickly becomes a noticeable amount.
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).
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.
link Source: Federal Statistical Office, wage and income tax statistics (tax year 2022); Destatis on non-filing (2021).
All taken care of — no subscription.
Digitise collections, estates and household contents. Attach manuals and receipts. And your complete financial overview in one place.
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.
Free for 14 days, no payment details. All you need is your email address.
Registration is subject to our Terms and Conditions and Privacy Notice.
Find out before it does – with your own figures.
