OwnFi is a privacy-first personal finance app in iOS TestFlight beta, with a new Android app in progress. Import bank statements, track budgets, and get AI-powered insights — all 100% on-device.
OwnFi organizes your financial life into four focused views — dashboard, activity, planner, and AI advisor — so you always know where you stand.
See your net worth at a glance with a beautiful gradient card. Track cash, investments, credit card balances, loans, salary, subscriptions, upcoming payments, and savings goals — all on one screen.
Every transaction from every source — PDF statements, CSV imports, receipt scans, screenshots, and manual entries — unified in a searchable, filterable timeline with automatic categorization.
Set monthly category limits and watch visual progress bars fill as you spend. Budget rollover tracks underspend across months. AI-suggested limits based on your actual spending patterns.
Chat with a private AI that understands your finances. Ask about spending patterns, budget status, savings projections, or Canadian tax topics — all powered by an on-device Gemma model. No data leaves your phone.
A closer look at OwnFi's core flows using public-safe demo data only — no personal statements, account numbers, or private transactions.
OwnFi runs a local language model on-device. Your spending data, budget, and goals are analyzed locally — the AI advisor's answers are generated without uploading your financial data.
Say "I spent $15 at Starbucks today" and OwnFi saves it instantly with automatic categorization.
Data-lookup questions get instant deterministic answers. Open-ended advice routes through the local LLM for deeper reasoning.
Built-in calculators for CPP & EI deductions, RRSP contribution room, FHSA rules, and mortgage amortization.
Save personal facts and preferences so the advisor remembers your priorities across conversations.
Beyond the four core tabs, OwnFi packs a full suite of import, planning, intelligence, and management tools — all accessible from the Tools hub.
Parse bank and credit card PDF statements locally. Auto-detects RBC, TD, Scotiabank, CIBC, BMO, and generic formats.
Auto-detect CSV format from major Canadian banks and import transactions with proper categorization.
Capture receipts with OCR, parse line items, and auto-merge with matching bank statement transactions.
Extract transactions from banking app screenshots when statement exports aren't available.
Predict upcoming recurring bills from transaction history. See weekly, monthly, and annual projections.
Set targets, track progress with visual bars, and estimate monthly savings needed to reach your goals.
Manage loans and credit card debt. Generate amortization schedules, payoff plans, and log payments.
Monitor recurring services with monthly total cost and upcoming renewal dates.
Explore monthly trends, top merchants, category patterns, and anomaly detection across all your transactions.
Preview how small spending changes affect your savings. "What if I save $200 more per month?"
Set your home currency, view live exchange rates, and auto-convert foreign transactions.
Exchange encrypted finance packages with a partner via file sharing — no server required.
Pick a PDF or CSV bank statement from your files. OwnFi parses it entirely on your device — no uploads, no cloud processing.
Transactions are automatically categorized, recurring payments detected, and anomalies flagged. The on-device AI enriches everything privately.
Track budgets, set savings goals, ask the AI advisor questions, and make smarter financial decisions — all without your data leaving your phone.
OwnFi is currently in iOS TestFlight beta. Join early testers today, and watch for the Android app that is already in progress and coming soon.