No bank login. Nothing uploaded.
Drop in the PDF or CSV, and see what you can spend today, which bills are coming, and where the money went. Free, no subscription, and your financial life never leaves your phone.
See OwnFi in action
Choose what you want to understand. Every screen below is the real app using public-safe demo data.
Home · Daily clarity
Safe to Spend reserves upcoming bills, then turns what remains into a realistic daily amount. Your forecast, budgets, goals, and payments stay one glance away.
Activity · One timeline
Statements, receipts, screenshots, notifications, and manual entries meet in a searchable timeline with automatic categories and fast date filters.
Invest · Your whole balance sheet
Cash, holdings, property, and debts become one number in your home currency—and every line behind it. Import holdings from the file your broker already gives you; OwnFi never logs in to a broker.
Plan · Intent into action
Set category limits, see progress instantly, carry unused money forward, and move from the same screen into goals, debts, bills, and what-if planning.
Time Machine · Private forecasting
Project your balance from three months to two years using recurring income, bills, debts, goals, and everyday spending—then test changes without touching real data.
Advisor · Local intelligence
OwnFi answers from your financial context using on-device AI when available and deterministic calculations when it is not. Your question stays yours.
Insights · Signal over noise
See monthly direction, top merchants, category changes, and unusual transactions without uploading your history to an analytics service.
Privacy you can inspect
Statements are parsed, transactions categorized, forecasts calculated, and advisor answers generated on your phone. OwnFi has no financial-data server to send them to.
Read the full privacy policyInside your device
Downloads a local AI model only when you choose one.
Fetches public exchange rates for multi-currency views.
Fetches public market prices for tickers you add.
The complete toolkit
Start with the outcome you need. Every feature shares the same rule: your financial data stays on your device.
Parse bank and card statements locally, including international layouts and generic fallbacks.
Auto-detect 27 named bank and card formats across Canada, the US, India, Japan, the Nordics, and Chinese payment apps, with regional date and currency handling for the UK and Singapore too.
Capture receipts with OCR, parse line items, and merge matches with statement transactions.
Recover transactions from banking screenshots, passbooks, and payment summaries.
Review each complete bank or card section’s currency, dates and entries, choose its account or Not linked, then confirm one import. All sections save together; recorded balances stay unchanged.
Save certain rows immediately and route incomplete or uncertain results through review—now on CSV and OFX imports too, not just PDFs.
Send PDFs, screenshots, and CSVs from any iOS app straight into OwnFi.
Confirm an unknown CSV layout once and let OwnFi remember it for next time.
Add cash purchases or missing transactions in seconds.
Say “add $15 coffee” and turn natural language into a categorized transaction.
Unlock protected statements locally without storing or uploading the password. Needs iOS 11 or newer, or Android 15 or newer — older Android builds have no way to open a locked PDF.
Multi-page statements are read page by page before analysis, so transactions on later pages are never dropped.
Bring holdings in from the file your broker already gives you—OFX, CSVs from Questrade, Wealthsimple, RBC and TD Direct Investing, Fidelity, Schwab, Vanguard and Zerodha, Zerodha holdings spreadsheets, and CDSL statements. No broker login, ever.
Point OwnFi at one folder and import everything new you have dropped there with a single tap. No background scanning, no timer—a scan happens when you ask for one.
A positions file covering several accounts is split up and matched to the accounts you already have, instead of collapsing into one pile.
Turn cash, upcoming bills, and days remaining into one practical daily number.
Keep original statement summaries separate from imported amounts. Review each entry in its own currency, with an original amount note after conversion. Uncertain or conflicting units withhold monetary summaries.
Keep every transaction and its recorded currency in CSV. Review one known currency before a YNAB export; mixed or unidentified units stay in the full CSV instead of being combined.
Review spending, income, net and top categories separately for each currency. Blank currency records follow your Home display setting with a clear note; unknown units stay counted without guessed totals.
The Debts total converts a debt in another currency only with a saved exchange rate; otherwise it is named in its own currency, not counted as yours. Advisor payoff answers keep each debt's currency.
Ask which purchases made up a figure and each one is shown in the currency it was recorded in, with totals per currency. A charge with the same number in another currency is listed separately, never added in.
The What-If simulator averages spending in your home currency only, so a cut never adds amounts recorded in different currencies. Savings are shown in your home currency.
Advisor totals use your home currency. Foreign spending is converted only with a saved exchange rate; without one it is left out, not added at face value, and the answer says what was left out.
Plan averages and detected subscriptions use your home currency only. Review the amount and currency before tracking a suggestion. Other recorded currencies stay in Activity without being converted or added to these estimates.
Net-worth falls and history-based growth use snapshots recorded in your current home currency. Changing currency cannot create a false loss or return; your original history stays saved, and thin matching history is explained.
Forecasts and cash-plan reserves pause when saved amounts cannot be converted safely. Missing currencies and exchange rates stay visible for review, so incomplete expenses cannot make available money look larger.
Unusable exchange rates cannot turn an imported purchase into an invalid amount. When conversion cannot be represented safely, the original currency and amount stay intact. Successful conversions retain their original amount and applied rate for review.
Review keeping the same budget, carryover, bill, goal and basic Profile numbers before changing their home-currency labels. Recorded balances and currency-tagged plans retain their currencies.
Home and the Bill Calendar estimate bills in your home currency only. Other currencies stay in Activity. When foreign bill history needs review, the daily Safe-to-Spend amount waits for that review. Nothing is converted or removed.
Trends, top merchants and recurring insights use your home currency only. Other currencies remain in Activity, with no conversion or relabeling of foreign amounts.
Explore trends, top merchants, category movement, and unusual activity.
Convert foreign activity into your home currency with appropriate regional formatting.
Track chequing, savings, credit, and investment accounts in one view.
Monitor holdings with public market quotes while sharing only ticker symbols.
Move an eligible manual activity entry to another investment account in the same currency after review, with temporary Undo. Recorded balances and holdings stay unchanged.
Review an eligible imported buy, sell or reinvestment before deleting its activity entry, with temporary Undo. Recorded positions and balances stay unchanged.
Transfers between your own accounts and credit-card payments are recognized as movement, not spending, so budgets and totals stop double-counting.
Trends and anomalies come with a plain-English reason for what changed and which merchants or categories drove it.
Cash, holdings, property, and debts add up to one number in your home currency, tracked over time. Anything OwnFi could not convert or price is named on the card, never counted as zero.
A 0–100 read on the portfolio you entered, from five factors you can inspect: spread across asset classes, largest single holding, distance from your target, how readily sellable, and how current the values are.
A 0–100 read on your cards and debts, worked out on-device from your own limits, balances, payments, and income. No credit bureau is ever contacted.
Quiet notices when a holding grows outsized, an account drifts from target, a price goes stale, a deposit matures, or a goal falls behind—scheduled by your own device, not by a server.
Project balances from three months to two years and see the milestones ahead.
Layer raises, purchases, and recurring changes over your forecast without altering real data.
Simulate extra income or expenses every 14 days in Time Machine, or confirm income per pay and a next payday in your cash plan. A clear pattern of five deposits can fill the cash-plan form for your review; only Add and Save confirm that income. Wealth projections estimate the monthly equivalent using 26 payments over 12 months. Recorded transactions and balances stay unchanged.
Set a separate forecast amount per pay, currency and starting date in Profile. Choose weekly, every two weeks, twice monthly or monthly; monthly budget totals stay unchanged. Cash-plan income still needs your review and confirmation.
Review two calendar paydays found across at least three months of deposits. Missing or duplicate records do not qualify; Add and Save remain explicit, and future pay never increases recorded cash.
Choose two calendar days, an amount per pay and a starting date for Time Machine scenarios or confirmed cash-plan income. Short months use their last day, with both payments counted if dates coincide.
See predicted bills, renewals, due dates, and total monthly recurring cost.
Set targets, measure progress, and estimate the monthly pace required.
Model loans and credit cards with payoff plans, amortization, and payment history.
Project net worth one, three, five, ten, or twenty years out, with a conservative band and the point where it would cross zero called out.
Keep the next 30 days of bills and spending aside, then share what is left across the priorities you set, in your order. Arithmetic on your own answers and confirmed balances—never a recommendation. How it works
See what each goal needs a month to arrive on time, and mark the subscriptions you still value to see what the rest add up to over a month and a year.
Stack a few changes—spend less in a category, a one-off cost, a goal contribution, an extra debt payment, a charge you stop—and see cash, the lowest point, and goal and debt-free dates against your current path.
The facts to weigh first: cash left after your plan, whether emergency savings are covered, how concentrated your holdings are—plus the questions on time horizon, losses, and access to your money. No tickers, no picks.
Review saved activity every 14 days from a reference payday, or twice a month on two chosen days. Currencies stay separate, and monthly budgets keep their monthly limits.
Undo the latest eligible edit or deletion in Activity, including imported, captured and manual entries, until you leave Activity or save another change. Eligible investment activity changes have a separate temporary Undo in Invest.
Log an expense through iOS Back Tap, Android Quick Tap, or an app shortcut.
Turn bank and payment-app alerts into transactions on-device: on Android from a strict list of known apps you can extend, and on iOS 27 through the Shortcuts app’s notification trigger.
Teach OwnFi where merchants belong and apply the rule to future activity.
Glance at budgets, bills, goals, and FX rates—and mark supported bills paid.
Keep Safe to Spend, your next bill, and voice quick-add on your wrist.
Opt in to turn supported purchase notifications into local transactions.
Start with sample data before you type anything, set income and suggested budget limits in one focused first run, and import your first statement right from the last step.
Review recent category changes in Corrections History. Saved merchant rules help categorize future imports on your device.
Merge every spelling of the same merchant into one name—and saving an alias rewrites your past transactions, not just future imports.
A 7:30 notification with what you can safely spend today, bills already reserved. The amount shows only if you show amounts on the widget—a lock screen is at least as public.
Date, Payee, Memo, Outflow, Inflow—a file YNAB’s import accepts as it is, made on the phone from any statement, password-protected PDFs included.
Ask questions against your financial context without sending it to a cloud LLM.
Save preferences and priorities for the advisor—and delete them whenever you choose.
Create AES-256 encrypted packages that only your account credentials can unlock.
Send encrypted finance packages over local Wi-Fi or through a share destination you choose—and send the app itself to a partner who does not have it yet.
Download, manage, and remove local Gemma models on your terms.
Use the operating system’s built-in on-device model when available — Apple Intelligence on iOS 26+, and Gemini Nano on Android phones that have it. On iOS 27 it reads receipts and screenshots directly.
Explore fictional data, then inspect the exact safeguards and endpoints behind the privacy promise—and share the proof as text.
Every advisor figure is computed from your real transactions and arrives with the period, the transaction count, and the categories behind it. If a number can’t be grounded in your data, OwnFi won’t state it.
Ask “why?” or “and last month?” and it knows what you meant. It explains the app’s own figures, finds specific transactions, and suggests questions your data can actually answer. The thread lives in memory and is never saved.
Reopen your account with Face ID, Touch ID, or a fingerprint from the sign-in screen as well as at launch—and erase the enrollment outright on a shared device.
The database is encrypted on the phone under a key that lives only in the iOS keychain or Android keystore, and it is excluded from device backups—OwnFi’s own encrypted backup is the copy.
Start without surrendering access
Bring the documents you already have. OwnFi handles the rest locally.
Import a statement, receipt, screenshot, notification, or add a transaction yourself.
Categories, recurring payments, budgets, and patterns take shape on your device.
Use Safe to Spend, private advice, and forecasts to act with more confidence.
Questions worth asking
Need help with a specific feature? The support page covers imports, widgets, AI, backup, and account recovery.
Visit supportBank-linking services require your balances and transactions to pass through a third party. OwnFi takes the opposite approach: you bring a PDF, CSV, OFX file, receipt, screenshot, notification, or manual entry, and the app processes it locally.
Yes. A local Gemma model or a supported operating system model generates open-ended answers on-device. When no model is available, OwnFi uses deterministic calculations instead. Your financial context is not sent to a cloud AI service.
Financial data is never uploaded for analysis. Optional calls are limited to downloading a model from Hugging Face, fetching exchange rates from open.er-api.com, and fetching public ticker prices from Yahoo Finance.
Yes. The Invest tab adds up cash, holdings, property, and debts into one number in your home currency. Holdings can be typed in or imported from a file your broker already gives you — OFX, broker CSVs, Zerodha holdings spreadsheets, or a CDSL statement. OwnFi never logs in to a broker and cannot see an account you have not imported, which is the trade-off for keeping everything on the device: you decide what is tracked. Anything it could not convert or price is named on the card rather than quietly counted as zero.
No. It is a 0–100 figure OwnFi works out on your device from your own card balances, the limits you enter, the payments it can match, and your stated income — which is also why it is scaled out of 100 rather than into the range a bureau uses. OwnFi never contacts a credit bureau and never requests a report. Where a component has no data it is left out and the gap is shown next to the figure instead of being guessed at. For an actual bureau score, use your card issuer or a bureau’s own service.
From your own phone. OwnFi evaluates the alert conditions on-device — a holding growing outsized, an account drifting from target, a stale price, a maturing deposit, a goal falling behind — and hands the result to your operating system’s local notification scheduler. There is no OwnFi push server to contact, and nothing about the alert or the data behind it leaves the device. Categories can be turned off in Settings.
Yes. Settings → Appearance offers Light, Dark, and Follow system, and the choice applies immediately across every screen.
Create an encrypted backup, move the file using any service you choose, then restore it on the new device with the same account email and password. OwnFi never receives the backup or its key.
OwnFi is free. There is no subscription or paid tier planned.
Through optional partner offers and clearly labelled sponsorships. Affiliate links can include brokers, tax-filing services, and international money-transfer providers after each program approves OwnFi. The app does not attach financial data or personal identifiers to a link. There are no ad networks, subscriptions, or data sales. How partner offers work.
Your financial life belongs to you
OwnFi is available now on the App Store and Google Play. Free, with no subscription tier.
