OwnFi

Free plan AndroidiPhone

What OwnFi is

OwnFi is a free personal-finance app for Android and iOS that imports financial records and keeps processing local. It parses PDF, CSV, and OFX statements, supporting 27 named bank and card formats plus a generic fallback. The app shows spending, upcoming bills, and available spending money. Safe to Spend reserves upcoming bills and converts the remainder into a daily figure, while Time Machine projects balances from three months to two years with what-if changes. Users can import broker holdings, track budgets, bills, and net worth, and export reports. Account updates are manual: users import files, receipts, screenshots, notifications, or enter transactions. OwnFi does not directly connect to banks or log in to brokers. Financial data stays on the device, with an encrypted local database; its advisor uses on-device models when available or deterministic calculations. Optional services fetch AI models, exchange rates, and public ticker prices. The Free plan costs nothing, with no subscription or paid tier planned.

Who it suits

OwnFi suits people wanting free mobile budgeting, bill, spending, net-worth, and investment tracking with local data processing. It is for users comfortable importing records manually rather than linking bank accounts directly.

What it does well

Supports PDF, CSV, and OFX imports
Projects balances up to two years
Local encrypted financial database
On-device advisor processing
No subscription or paid tier

What to know first

No direct bank connections
Account syncing is manual
Android requires version 7.0 or newer
Optional services use network access

Plans

Plan	Billed and limits	Price
Free	Free; no subscription or paid tier planned · No subscription · No paid tier	Free

As ownfiapp.com lists them, read 12 Oct 2026. The maker's own page has the final word.

Verdict

OwnFi combines broad financial tracking with manual imports and local processing at no cost. Its main trade-off is the lack of direct bank connections, so users must maintain records themselves.

Facts from OwnFi's own pages

Account sync: manual · ownfiapp.com, 22 Sept 2026
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. · ownfiapp.com, 12 Oct 2026
Android requirement: The support page says the Android app requires Android 7.0 or newer. · ownfiapp.com, 12 Oct 2026
Availability: The site says OwnFi is available on the App Store and Google Play. · ownfiapp.com, 12 Oct 2026
Bill tracking: Yes · ownfiapp.com, 22 Sept 2026
Budgeting: Safe to Spend reserves upcoming bills and turns the remaining amount into a daily spending figure. · ownfiapp.com, 12 Oct 2026
Budgeting tools: Yes · ownfiapp.com, 22 Sept 2026
Free plan: Yes · ownfiapp.com, 22 Sept 2026
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. · ownfiapp.com, 12 Oct 2026
Investments: Users can import holdings from broker files; OwnFi says it does not log in to brokers or access accounts users have not imported. · ownfiapp.com, 12 Oct 2026
Limit: OwnFi does not directly connect to banks; users import files, receipts, screenshots, notifications, or enter transactions manually. · ownfiapp.com, 12 Oct 2026
Mobile apps: both · ownfiapp.com, 22 Sept 2026
Net-worth tracking: Yes · ownfiapp.com, 22 Sept 2026
Planning: Time Machine projects balances from three months to two years and supports what-if changes. · ownfiapp.com, 12 Oct 2026
Privacy: OwnFi says financial data is stored locally and is not uploaded to its servers for analysis. · ownfiapp.com, 12 Oct 2026
Purpose: OwnFi imports bank statements and other financial records to show spending, upcoming bills, and what users can spend. · ownfiapp.com, 12 Oct 2026
Report export: Yes · ownfiapp.com, 22 Sept 2026
Security: The privacy policy says the local database is encrypted with a key held in the iOS keychain or Android keystore. · ownfiapp.com, 12 Oct 2026
Statement imports: It locally parses PDF, CSV, and OFX statements, with 27 named bank and card formats and a generic fallback. · ownfiapp.com, 12 Oct 2026
Support: Support is available by email at [email protected], and the site says it aims to respond within a few business days. · ownfiapp.com, 12 Oct 2026

Where OwnFi stands on Freedom251

Personal Finance Software#62 of 181