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Tech riderRev. 12 Oct 2026

OwnFi

Ch 647.6of 181Personal Finance Software
  1. 1Runs onAndroid, iOS
  2. 2CostsFree plan
  3. 3Budgeting toolsYes
  4. 4Bill trackingYes
  5. 5Net-worth trackingYes
  6. 6Account syncmanual
  7. 7Report exportYes
  8. 8Mobile appsboth
8 lines stated Written from the maker's own pages: ownfiapp.com
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The OwnFi homepage

Overview

OwnFi is ranked #64 of 181 in personal finance software on Specifiction. 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
Yesownfiapp.com
Budgeting tools
Yesownfiapp.com
Bill tracking
Yesownfiapp.com
Net-worth tracking
Yesownfiapp.com
Account sync
manualownfiapp.com
Report export
Yesownfiapp.com
Mobile apps
bothownfiapp.com

Facts

Purpose
OwnFi imports bank statements and other financial records to show spending, upcoming bills, and what users can spend.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
Budgeting
Safe to Spend reserves upcoming bills and turns the remaining amount into a daily spending figure.ownfiapp.com · 12 Oct 2026
Planning
Time Machine projects balances from three months to two years and supports what-if changes.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
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
Privacy
OwnFi says financial data is stored locally and is not uploaded to its servers for analysis.ownfiapp.com · 12 Oct 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
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
Limit
OwnFi does not directly connect to banks; users import files, receipts, screenshots, notifications, or enter transactions manually.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
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

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Where it ranks on Specifiction

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Sources