Private by architecture
Know what you can spend today, understand where your money went, and see what comes next—without handing your financial life to the cloud.
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.
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 25+ bank and card formats across Canada, the US, India, Japan, and the Nordics.
Capture receipts with OCR, parse line items, and merge matches with statement transactions.
Recover transactions from banking screenshots, passbooks, and payment summaries.
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.
Turn cash, upcoming bills, and days remaining into one practical daily number.
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.
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.
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.
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.
Log an expense through iOS Back Tap, Android Quick Tap, or an app shortcut.
On Android, turn opted-in bank notifications into transactions on-device.
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.
Set income, priorities, and suggested budget limits in one focused first run.
Recategorize a merchant once and OwnFi remembers. Corrections History shows everything it has learned, and you can undo any of it.
Merge every spelling of the same merchant into one name—and saving an alias rewrites your past transactions, not just future imports.
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.
Download, manage, and remove local Gemma models on your terms.
Use a supported operating system’s built-in on-device model when available.
Explore fictional data, then inspect the exact safeguards and endpoints behind the privacy promise.
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.
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.
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.
Your financial life belongs to you
OwnFi is available now on the App Store. Android is in closed beta — ask for an invite.
Download on the App Store