Support

Is OwnFi available on Android?

Yes — OwnFi is on Google Play, free, with the same on-device privacy guarantees as the iPhone version. It needs Android 7.0 or newer.

A few capabilities are tied to Apple hardware and have no Android equivalent: Apple Watch, Apple Wallet purchase capture, and Siri Shortcuts. Android has its own equivalents where the platform allows — bank notification capture, for instance, is Android-only. The Android release trails the iPhone release slightly, so a newly launched feature may reach iPhone first.

Why don't transfers show up as spending?

Moving money between your own accounts, or paying off a credit card, isn't spending — it's the same money changing places. OwnFi recognizes these and leaves them out of category totals, budgets, and insights, so a card payment doesn't appear as a large purchase on top of the purchases it settles. They're still recorded in Activity; they just don't count twice.

Does OwnFi learn from my corrections?

Yes, and entirely on your device. Recategorize a merchant or fix an import and OwnFi remembers the correction for next time. Everything it has learned is listed in Settings → Corrections History, where you can review or undo any single item. Merchant aliases work alongside it: merge the different spellings of one merchant and OwnFi updates your past transactions as well as future imports.

Where do the advisor's numbers come from?

Your own transactions. Every figure the advisor states is computed by OwnFi's own code, not generated by the language model, and each answer shows the period it covers, how many transactions went into it, and the categories behind it. If a number can't be traced back to your data, the advisor won't state it. AI insights are educational only and are not financial, investment, tax, legal, or accounting advice.

Is my financial data private?

Yes. OwnFi runs entirely on your device. Your statements, transactions, budgets, and other financial data are stored locally and are never uploaded to an OwnFi server. See the Privacy Policy for details.

How do I import bank statements?

Tap the “+” button on the Home or Activity tab and choose “Import statement”. OwnFi parses PDF, CSV, and OFX statements locally and auto-detects 27 named bank and card formats across Canada, the US, India (including GPay and PhonePe UPI apps), Japan, the Nordics, and Chinese payment apps, plus a generic fallback that handles the rest. Dates, currencies, and account names are also interpreted regionally for the United Kingdom and Singapore even though no named bank format ships for them yet. You can also scan receipts and screenshots, add transactions manually, or use the Universal Statement Parser to teach OwnFi an unknown CSV format. Screenshot and shared imports are confidence-gated: sure rows save instantly and uncertain ones open a review sheet — or turn on "Add imports without review" in Settings to save every complete row directly (duplicates are still blocked).

How do I import investments and track net worth?

The Invest tab holds your accounts, holdings, and net worth. You can add holdings by hand, or import them from a file your broker already gives you: OFX activity files, broker CSVs for Questrade, Wealthsimple, RBC Direct Investing, TD Direct Investing, Fidelity, Schwab, Vanguard, and Zerodha, Zerodha holdings spreadsheets (.xlsx), and CDSL consolidated account statement PDFs. A positions file covering several accounts is split by account and matched to the ones you already have. OwnFi never logs in to a broker — it only reads the file you hand it.

Net worth adds up cash, holdings, property, and debts in your home currency. Anything OwnFi could not convert or could not price is named on the card rather than quietly counted as zero.

Is Card & Debt Health my credit score?

No, and it is deliberately not built to look like one. 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. OwnFi never contacts a credit bureau and never requests a report. If a part of it has no data, that part is left out and the gap is shown next to the number instead of being guessed at — which is why the figure may not appear at all until you have entered a credit limit. For an actual bureau score, use your card issuer or a bureau's own service; if you have one, you can type it in and OwnFi will keep it separate from its own figure.

What are wealth alerts?

Quiet notices when something in your finances has moved enough to be worth a look: a holding growing into an outsized share of the portfolio, an account drifting from your target allocation, a valuation or price going stale, a term deposit maturing, a savings goal falling behind, a drawdown, or a change in your Investment Score. They are worked out on your device and scheduled through your operating system's own notifications — there is no OwnFi push server. You can turn categories off in Settings.

Can OwnFi import statements from a folder automatically?

Yes — Settings → Watch a folder. Point OwnFi at one folder on your device and tap "Scan now" to import any statements you have dropped there since last time; files already imported are skipped by content, so re-scanning does not create duplicates. There is no background scanning and no timer: a scan happens when you ask for one. You can change or stop watching the folder at any time.

Can I ask the advisor follow-up questions?

Yes. The advisor keeps the thread of the current conversation, so "why?" or "and last month?" is understood against what you just asked. It can also explain the app itself — ask what Safe to Spend or Card & Debt Health means and it will tell you how the figure is worked out and why it can look wrong, alongside your own numbers. It can find specific transactions ("where did I spend $40 on Tuesday?"), and suggests questions as you type, offering only ones your data can actually answer. "New chat" clears the thread, which is held in memory and never saved.

How is my cash plan worked out?

Your cash plan is in OwnFi 2.0 and later. It starts from the balances in your chequing and savings accounts. From that it first keeps aside what the next 30 days need — your upcoming bills and your usual spending, less any income you have told it to expect, plus the minimum you like to keep in chequing — and then anything you have already set aside, such as emergency savings. Whatever is left is shared out across the priorities you chose, in the order you put them, each up to the amount it still needs; anything still left over is shown as not yet assigned. Every figure is arithmetic on your own balances and answers, done on your phone. It is not a recommendation and not financial advice.

It differs from Safe to Spend on purpose: Safe to Spend covers bills to the end of this month, while the cash plan looks 30 days ahead and follows your priorities. In the Advisor you can also see what each goal needs a month, mark which subscriptions you still value, compare a what-if against your current path, and review the facts to weigh before investing — none of which is saved or changes your records. The cash plan guide walks through every question, how to read the result, and what to ask the Advisor.

Why does the cash plan ask me to confirm my balances?

A plan is only as good as the balances under it, and OwnFi has no bank connection to check them. So before it shares out your cash it asks you to confirm that the balances shown are current and that no cash account is missing. If a balance changes, an account is added, or a currency changes, it asks again. Balances more than a week old are flagged, and past a month the plan is shown only as an illustration. An account in a currency OwnFi has no exchange rate for is named rather than counted as zero.

Is my cash plan shared with my family?

Your answers are, if you use family sync: your buffer, emergency target, money set aside, expected income and expenses, and your priorities travel in the same encrypted package as your other settings, so a partner sees the same plan. Your confirmation that the balances are current is not shared — each person confirms on their own device — and if the answers change on another device, OwnFi tells you so you can review them. Nothing goes to an OwnFi server. See the Privacy Policy.

Does OwnFi have a dark mode?

Yes. Settings → Appearance offers Light, Dark, and Follow system, and the choice applies immediately across every screen.

Can I unlock with Face ID instead of typing my password?

Yes, once you have enabled biometric unlock. Face ID, Touch ID, or a fingerprint will reopen your local account from the sign-in screen as well as at launch. Signing out keeps the enrollment so you can unlock again next time; on a shared device, "Sign Out & Forget" in Settings erases it. Your biometric data itself never reaches OwnFi — the operating system keeps it and only reports whether the check passed.

How do I set up automatic transaction capture on Android?

OwnFi can turn your bank's push notifications into transactions, entirely on your device. It never reads your SMS messages — the app has no SMS permissions. It only listens for notifications, and only keeps the ones that look like a bank or payment alert (words like "debited", "credited", "UPI", "card", "purchase").

To turn it on:

1. Open OwnFi → Settings → Bank alert capture and switch it on. (OwnFi also offers this once, on first launch.)
2. OwnFi opens Android's Notification access screen. Toggle OwnFi on and confirm the system prompt.
3. Make sure your bank or payment app is actually sending push notifications for transactions — if it isn't, there is nothing for OwnFi to capture.

Alerts are collected in the background and saved the next time you open OwnFi. Alerts OwnFi is confident about are added straight away, labelled with the app they came from; anything ambiguous is shown to you for a quick confirm-or-dismiss before it is saved. Duplicate alerts, and alerts that match a transaction you already imported from a statement, are skipped.

To stop, turn the switch off in OwnFi's Settings, or revoke it in Android Settings → Notifications → Notification access. Any pending alerts are discarded.

How do I set up automatic transaction capture on iPhone?

iOS has no notification-listener permission, so on iPhone auto-capture runs through Shortcuts automations that you create yourself — Apple does not let apps create them for you. Setup takes a few minutes and is done once. OwnFi's own walkthrough is at Settings → Automations → Apple Pay & bank alerts → Set up in Shortcuts; the same steps are below.

There are two automations, and you can set up either or both.

Apple Pay purchases

1. Open the Shortcuts app → Automation tab → tap + (New Automation).
2. Choose the Wallet trigger (called Transaction on older iOS versions), then Any Transaction or a specific card.
3. Select Run Immediately so it never asks before running, then tap Next.
4. Tap New Blank Automation (or Add Action), search for Import Wallet Transaction, and add it.
5. Tap the action's Amount field, choose Shortcut Input, then Amount. Do the same for Merchant and Card.
6. Tap Done. Apple Pay purchases now import silently in the background.

All other card, bank, and UPI charges

Card swipes, online purchases, and PhonePe / Google Pay / Paytm payments arrive as a bank text message, so this automation watches those.

1. In your bank or card app, turn on SMS / text-message alerts for purchases. Push notifications are not enough here — Shortcuts cannot trigger on them, but it can on a text.
2. Open Shortcuts → Automation → +, and choose the Message trigger.
3. Under Message Contains, enter a word your alerts use — "charged", "debited", "purchase" — or the bank's sender ID (for example "AMEX"). Add another automation later for each extra bank or keyword.
4. Select Run Immediately, then Next.
5. Tap New Blank Automation (or Add Action), search for Import Bank Alert, and add it.
6. Tap the action's Message field and select Shortcut Input — that is the text Shortcuts just received.
7. Optionally type the bank or card name in App Name (for example "Amex") so those transactions are labelled on the Activity screen.
8. Tap Done.

Captured entries are parsed by OwnFi's on-device parser and saved the next time you open the app (or immediately if it is already open). Ambiguous ones are shown for a quick confirmation first. To stop, delete the automation in Shortcuts — nothing else needs changing.

How do I add a transaction by voice on Android?

Every voice path ends in the same place: OwnFi's voice sheet listens, its on-device parser turns what you said — "spent 20 dollars at Starbucks yesterday" — into an amount, merchant, date, and category, and shows it to you to confirm before saving. Nothing is sent to an OwnFi server; speech recognition is provided by Android itself.

• From inside the app — on the Activity screen tap + to add a transaction, then tap the microphone button and speak. No setup needed.
• With a gesture, without speaking — bind Quick Tap to OwnFi's Quick Add form: on a Pixel, Settings → System → Gestures → Quick Tap → Open app → OwnFi Quick Add; on Samsung and other phones, point your back-tap or gesture shortcut at the "OwnFi Quick Add" app entry. No gesture support? Long-press the OwnFi icon on your home screen and use the Quick add or Voice entry shortcut. OwnFi's own walkthrough is at Settings → Automations → Quick Add gesture → How to set up.
• Hands-free with Google Assistant — "Hey Google, open voice entry in OwnFi" opens the voice sheet already listening. This works on phones running Google Assistant once Google's App Actions review of OwnFi completes — it is enabled by Google, with no app update needed on your side. Gemini does not yet run third-party app actions, so on phones where Gemini has replaced Assistant this phrase is not available.

How do I add a transaction with Siri on iPhone?

Say "Hey Siri, log an expense in OwnFi". Siri asks what the transaction is, then opens OwnFi with the transaction pre-filled for you to confirm. The phrase is parsed by OwnFi's on-device parser; nothing is sent to an OwnFi server, and dictation is handled by iOS under Apple's own terms. This works on iOS 16 and later with no setup — the shortcut is registered the first time you open the app, and also appears in the Shortcuts app and in Spotlight.

To use your own phrase instead, go to Settings → Automations → Add to Siri in OwnFi and record one.

Two other ways to log without opening the app first:

• From inside the app — tap + on the Activity screen, then the microphone button, and speak.
• Back Tap — create a shortcut in the Shortcuts app using one of OwnFi's two actions: Enter Expense (asks for amount, category, and note inside Shortcuts and saves without opening OwnFi — the entry appears next time you open the app) or Quick Add Expense (opens OwnFi's two-field form). Name it, then go to Settings → Accessibility → Touch → Back Tap → Double Tap and pick that shortcut. The in-app walkthrough is at Settings → Automations → Quick Add gesture → How to set up.

What can the home-screen widgets show?

Budget progress, upcoming bills, savings goals, and exchange rates. Snapshots are generated on your device and cached in a shared container that only OwnFi's widget extensions can read.

How do I use the local AI model?

From version 1.9: on an iPhone with Apple Intelligence (iOS 26 or later) and on Android phones that have Gemini Nano, the advisor uses that built-in model with nothing to download — check Settings → AI & Advanced → Model Library, which shows it as Ready or tells you if Apple Intelligence is switched off. On an iPhone without it, the Model Library can download a Gemma model from Hugging Face (public builds need no token; gated ones must be downloaded on a computer and imported from Files). On Android, downloaded models are not run yet — Gemini Nano is the only model there. Without any model, the deterministic advisor still answers directly from your data using pure calculations.

I forgot my password. How do I recover it?

Because OwnFi keeps your data on-device with no cloud account, there is no password reset by email. If you can no longer sign in, you can delete the local account from the app and start fresh, or restore from an encrypted backup if you created one. We recommend enabling Face ID / biometric unlock and keeping a backup.

How do backups and family sync work?

Backups and family sync packages are encrypted before they leave the app. Family sync can send a package directly to a nearby device on the same Wi-Fi network, or you can share it as a file through your device's standard share sheet — you choose where it goes. Nothing is sent to an OwnFi server.

Does the AI advisor send my data anywhere?

No. The AI advisor runs an on-device model when available, and falls back to deterministic calculations otherwise. Its responses are educational only and are not financial, investment, tax, legal, or accounting advice.

How do I delete my account and data?

OwnFi has no cloud account and no OwnFi server, so there is nothing to request from us — deletion happens on your device and takes effect immediately.

To delete your account and all of its data: open the app, go to Settings, and tap Erase data (“Permanently wipe this device”). Confirm at the Delete Account & Data prompt by choosing Delete Everything. This permanently removes your local account (email address and password), every transaction, statement, receipt, category, budget, goal, debt, account and holding, your preferences and settings, any Hugging Face token, your biometric enrolment, and all scheduled reminders. It cannot be undone.

Uninstalling OwnFi also destroys everything. Because all data lives in the app's own storage on your device, removing the app removes the data with it.

What we retain afterwards: nothing. OwnFi never uploads your financial data, so there is no server-side copy to delete and no retention period. The only data that ever leaves your device is a currency code sent to a public exchange-rate service, a ticker symbol sent to a public market-quote service if you track holdings, and a model file downloaded from Hugging Face if you choose to install one — none of which is stored by us or linked to you. See the Privacy Policy for the full list.

Encrypted backups you created yourself are files you control. If you exported a backup or sent a family-sync package, delete those files wherever you saved or sent them — deleting your account in the app cannot reach them.

If you have any difficulty deleting your data, email support@ownfiapp.com and we will help.