OwnFi

OwnFi is a free budgeting app that imports your bank statements instead of logging into your bank. Drop in the PDF or CSV your bank already sends you and see what you can spend today, which bills are coming, and where the money went. Nothing leaves your phone: no cloud processing, no analytics, no data sold or shared. No subscription, no account to create. SEE WHERE YOU STAND • Safe to Spend — what you can spend per day for the rest of the month, with upcoming bills already reserved • Net worth — cash, holdings, property and debts in one number, in your home currency, with a history of how it has moved • Invest tab — holdings with cost and current value, an asset-class breakdown, and a target allocation you set. Public prices by ticker; only the symbol ever leaves your phone • Investment Score — a 0–100 read of your portfolio from five factors you can inspect, each showing its points and the fact behind it • Card & Debt Health — a 0–100 read from your own balances, limits and payments, worked out on your phone. Never a credit bureau • Insights — trends, top merchants, category patterns and anomalies, each with a plain reason IMPORT FROM ANYWHERE • PDF statements — parsed on your phone: 27 named bank and card formats across Canada, the US, India, Japan, the Nordics and Chinese payment apps, plus a generic fallback and password-protected PDFs • CSV and OFX — auto-detected; the universal parser learns any unknown layout once you confirm it • Broker files — OFX and CSVs from Questrade, Wealthsimple, RBC and TD Direct Investing, Fidelity, Schwab and Vanguard; Zerodha and Angel One spreadsheets; CDSL and KFintech statements. No broker logins • Receipts and screenshots — on-device OCR, including Indian passbooks and UPI summaries • Bank Alert Capture — opt in to turn bank notifications into transactions, parsed on your phone • Watch a folder — point OwnFi at one folder and import whatever is new with one tap; no background scanning • Quick Add — bind Quick Tap to "OwnFi Quick Add" and log an expense in two taps PLAN AHEAD • Time Machine — project your balance months to years ahead, then stack "what if" changes on top and compare • Wealth forecast — net worth 1 to 20 years out, in three growth bands, with your debts retiring on schedule • Budgets with rollover, savings goals with the monthly pace to reach them, bills and subscriptions on one screen, and a debt tracker • Wealth alerts — a stale price, a holding growing outsized, a goal falling behind. Computed on your phone; off until you turn them on A PRIVATE ADVISOR • Ask about spending, budgets, net worth or the forecast. Every figure is computed by OwnFi's own code before any language model sees the question, and each answer shows the data behind it • Follow-ups keep the thread — "why?" just works • Uses Gemini Nano on phones that have it — nothing to download — or answers from your data alone; it works either way • Learns from your corrections. Recategorize a merchant once and it remembers YOUR DATA, PROTECTED • Encrypted at rest, in the app's own private storage on your phone • Fingerprint or device-credential app lock • AES-256 encrypted backups you control • Family Sync — send an encrypted package to a family member's device over local Wi-Fi or by file; no server • No ad networks, no trackers, no analytics SDKs Free, with no in-app purchases and no subscription tier. An optional Partner offers screen in Settings may list approved, labelled partner links; OwnFi attaches no financial data or identifiers, and partner privacy policies apply. Only three optional network requests, each only when you use the feature: exchange rates, public prices for tickers you add, and AI model files you choose to download. Financial data is never sent. Notification access is optional and off by default; with Bank Alert Capture on, alerts are filtered and parsed on your phone only. AI insights are educational only, not financial, investment, tax, legal or accounting advice.