AI Spend Tracker vs OwnFi

RetroBudget is an AI expense tracker made by one independent developer. I built it around a simple problem: credit card statements contain the answers, but they make it surprisingly hard to understand where your money actually went. Most finance apps want you to connect a bank account. RetroBudget takes a different route. Upload a credit card statement PDF you already have, and RetroBudget turns the transactions into a clear view of your spending without your bank password or live account access. What you can see: • Spending by category, merchant, and card • Recurring charges and monthly spending patterns • Simple charts that make the numbers easier to understand • Live Activity and optional notifications while a statement is processed How it works: 1. Choose a credit card statement PDF 2. AI reads and categorizes the transactions 3. Explore your spending breakdown 4. Delete the statement whenever you’re done Your imported PDF and extracted records remain in your iCloud-backed app storage until you delete the statement. RetroBudget uses Sign in with Apple and does not require bank linking. RetroBudget isn’t built by a big finance company. It’s an independent app I’m making to solve one focused problem well. If it helps you understand your spending a little faster, it’s doing its job. Privacy Policy: https://retrobudget.app/privacy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

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 server, no cloud processing, no analytics on your spending, no third-party data sharing. No subscription, no trial, no account to create. IMPORT FROM ANYWHERE • PDF Statement Analyzer — parse bank and credit card statements locally, with automatic detection of major bank formats • CSV Import — auto-detects formats, and the universal parser learns any unknown CSV layout after you confirm it once • Receipt Scanner — capture receipts with on-device OCR and line-item parsing • Screenshot Import — extract transactions from banking app screenshots, including Indian passbook/UPI and Canadian layouts, with an optional review-free auto-add setting • Share to OwnFi — send PDFs, screenshots, and CSVs from any app straight into OwnFi via the share sheet • Quick Add gesture — double-tap the back of your phone to log an expense in two fields, via Back Tap and Shortcuts UNDERSTAND YOUR MONEY • Safe to Spend — open the app to how much you can spend per day for the rest of the month, with upcoming bills already reserved • Daily Money Pulse — today's and this month's spending against your budgets at a glance • Home dashboard — net worth, portfolio, upcoming bills, and savings goals on one screen • Apple Watch — Safe-to-Spend, your next bill, and voice quick-add on your wrist • Activity — every transaction from every source in one searchable timeline with automatic categorization • Insights — monthly trends, top merchants, category patterns, and anomaly detection • What-If Simulator — preview how spending changes affect your savings PLAN AHEAD • Your cash plan — the next 30 days of bills and spending kept aside, the rest shared across the priorities you set. Plus goal pacing, a subscription review, what-ifs and pre-investing facts in the Advisor • Time Machine — project your balance 3 months to 2 years ahead from your income, bills, and spending, then stack "what if" changes on top and compare • Budget Planner — monthly category limits with rollover, AI-suggested amounts, and one-tap shortcuts to Time Machine, What-If, Goals, and Debts • Savings Goals, Bills & Subscriptions on one screen, and Debt Tracker with amortization schedules • Tax-year export — a CSV of one tax year's transactions, using your jurisdiction's dates (UK, India, and calendar-year countries) or a plain calendar year, with each row's currency PRIVATE AI ADVISOR • Chat with an AI that understands your finances — Apple Intelligence on iPhones that have it, with nothing to download, or a language model you install; every figure is computed by OwnFi's own code first • Conversational entry: say "I spent $15 at Starbucks today" and it's saved instantly • Built-in Canadian tax and savings calculators (CPP, EI, RRSP, FHSA, mortgage) • Financial Memories — the advisor remembers your priorities across conversations YOUR DATA, PROTECTED • 100% on-device storage, encrypted at rest with a key held only in your iPhone's keychain — there is no OwnFi server • Face ID / Touch ID app lock • AES-256 encrypted backups you control • Family Sync — send encrypted finance packages to a partner over your local Wi-Fi or by file, no server required • No ad networks, no tracking, no analytics SDKs OwnFi is free, with no in-app purchases and no subscription tier. An optional Partner offers screen in Settings may list approved, labelled partner links. OwnFi does not attach financial data or personal identifiers; ordinary browser requests and partner privacy policies apply. Optional network features: currency exchange rates for conversion, and AI model files you choose to download. Your financial data is never sent anywhere. AI insights are educational only and are not financial, investment, tax, legal, or accounting advice.