No. 39of 181 ·Personal Finance Software

OwnFi

Android · iPhone

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Freedom report

Two barsScore 7.2

Free tierA free tier is on its own pricing page
Runs widely2 of 6 device platforms
DocumentedPlans, terms and facts published

OwnFi is ranked #39 of 181 in personal finance software on Freedom251. It runs on Android, iOS. There is a free plan.

OwnFi plans and pricing

All plans

Free Free Free; no subscription or paid tier planned No subscription · No paid tier ownfiapp.com · 12 Oct 2026

Compared on personal finance software

Free plan: Yes
Budgeting tools: Yes
Bill tracking: Yes
Net-worth tracking: Yes
Account sync: manual
Report export: Yes
Mobile apps: both

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The record

Purpose: OwnFi imports bank statements and other financial records to show spending, upcoming bills, and what users can spend.
Statement imports: It locally parses PDF, CSV, and OFX statements, with 27 named bank and card formats and a generic fallback.
Budgeting: Safe to Spend reserves upcoming bills and turns the remaining amount into a daily spending figure.
Planning: Time Machine projects balances from three months to two years and supports what-if changes.
Investments: Users can import holdings from broker files; OwnFi says it does not log in to brokers or access accounts users have not imported.
Integrations: Optional network services download local AI models from Hugging Face, fetch exchange rates from open.er-api.com, and fetch public ticker prices from Yahoo Finance.
Privacy: OwnFi says financial data is stored locally and is not uploaded to its servers for analysis.
Security: The privacy policy says the local database is encrypted with a key held in the iOS keychain or Android keystore.
AI: The advisor uses an on-device operating-system or Gemma model when available, and deterministic calculations otherwise; it does not send financial context to a cloud AI service.
Limit: OwnFi does not directly connect to banks; users import files, receipts, screenshots, notifications, or enter transactions manually.
Support: Support is available by email at [email protected], and the site says it aims to respond within a few business days.
Android requirement: The support page says the Android app requires Android 7.0 or newer.
Availability: The site says OwnFi is available on the App Store and Google Play.
Price from: Free

Where it ranks on Freedom251

Best Personal Finance Software in 2026#39 of 181

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Sources

ownfiapp.com· checked 12 Oct 2026
ownfiapp.com/support.html· checked 12 Oct 2026
ownfiapp.com/privacy.html· checked 12 Oct 2026