Wealth Path vs OwnFi

Wealth Path is a powerful net worth tracker that helps you understand where you stand today and where your money could take you tomorrow — without ever asking for a bank login. Add your assets and debts manually, track your personal wealth, and see the dates that matter: when you could retire early, become debt free, achieve financial freedom, or reach your next major milestone. NET WORTH TRACKER, NOT A BUDGET APP Build a complete picture of your finances with an asset tracker, debt tracker and wealth tracker designed around long-term progress. Track savings, investments, real estate, crypto, vehicles, pensions and more across 12 asset categories. Log value changes, build your history and explore interactive charts showing assets, debts and total net worth. The net worth calculator brings everything together into a personal balance sheet that you control. PLAN FOR FINANCIAL INDEPENDENCE Turn financial planning into a measurable path forward. Use the FIRE calculator to estimate your financial independence date based on your own assumptions. Explore Coast FIRE, required savings rates, portfolio milestones and Worth by Age. The financial independence calculator helps you explore when work could become optional, while the retirement planner shows how your current path could lead toward early retirement. Change expected returns, inflation rates and tax assumptions to understand what could help you retire early and reach financial freedom sooner. SEE YOUR DEBT-FREE DATE Use the debt payoff calculator to project when loans and mortgages could be eliminated. Your debt tracker keeps liabilities visible, while month-by-month amortization projections show how balances could change over time. Model additional payments with the debt payoff calculator and see how they could bring your debt free date closer. TRACK THE WEALTH YOU'RE BUILDING Your asset tracker makes it easy to monitor what you own. Your wealth tracker shows how those assets contribute to your financial progress, while the net worth calculator keeps the bigger picture visible. Whether you're pursuing early retirement or simply building personal wealth, Wealth Path helps you understand whether you're moving in the right direction. 150+ CURRENCIES, ONE NET WORTH Track assets in more than 150 currencies with live exchange rates and see one consolidated net worth. It's built for expats, immigrants, remote workers and anyone managing personal wealth across countries. NO BANK LOGIN REQUIRED Wealth Path never asks for banking credentials. Nothing is scraped or sold, and there are no ads. Update your values manually and your history, asset tracker, debt tracker and projections update with them. MORE THAN A WEALTH TRACKER Ask the AI Financial Assistant questions about your numbers, import CSV or JSON data, export PDF reports and receive milestone alerts. Use the FIRE calculator, retirement planner and financial independence calculator to explore your path toward financial freedom. Combine powerful financial planning with projections that help you understand when you could retire early or become debt free. START FREE Track up to 10 assets and 5 debts with charts, history and headline projection results. Upgrade to Pro for unlimited assets and debts, complete projections, multi-currency support, AI chat, imports and PDF exports. Wealth Path – Net Worth Tracker gives you the tools to track personal wealth, plan early retirement and turn your financial future into something you can actually see. Wealth Path is a personal tracking and calculation tool, not financial advice. All projections are estimates based on assumptions you provide and do not guarantee future results. Terms of Use: https://www.wealthpath.pro/terms Privacy Policy: https://www.wealthpath.pro/privacy

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.