Fiscify vs OwnFi

AI expense tracker without bank linking. Log by voice, scan receipts, import statements, and see your Financial Health Score. Fiscify is the personal CFO for people who could never afford one. Powered entirely by your own data. Spot wasted subscriptions, stick to a budget, and know exactly what to do next. Talk or type in plain English; our AI parses amounts, categories, and dates so you spend less time logging and more time understanding your money. WHY FISCIFY? • Natural language first: Type or speak a sentence like "$45 on sushi at Blue Fin last night" and the app fills in amount, payee, category, and date. No forms. (Free: 100 entries/month. Unlimited with Fiscify Plus.) • AI expense tracker: Intelligent extraction understands "coffee at Starbucks $5.99," "gas 32.50 Shell," and bulk entries so you can log in seconds. • Receipt scanner: Snap a photo of any receipt. AI extracts total, merchant, date, and category and creates the transaction for you. (Free: 15 scans/month. Unlimited with Fiscify Plus.) • Statement import: Upload bank statement PDFs, Excel, or CSV. AI extracts transactions so you can review and add them in one go. (Free: 3 imports/month. Up to 10/month with Fiscify Plus.) • Voice expense entry: Speak your expense hands-free; speech-to-text plus AI parsing means you can log on the go. • Budget planner that sticks: Set monthly budgets by category, see progress at a glance, and stay on track with a clear dashboard. (Free: up to 2 budgets. Unlimited with Fiscify Plus.) • Financial Health Score: One score for your spending control, budget adherence, savings rate, and debt trajectory, with a clear next step to improve it. (Free: current score. Fiscify Plus unlocks your full score history.) • Subscription Hunter: Fiscify scans your transactions for recurring charges from streaming, apps, and memberships, so you can spot subscriptions quietly draining your budget and cancel what's not worth it. • Recurring bills, tracked automatically: See exactly when every recurring bill or subscription is due next. (Fiscify Plus catches more repeating charges and lets you choose when you get nudged.) • Debt payoff timeline: See every balance in one place with an estimated payoff date based on your own payments. (Fiscify Plus adds what-if scenarios for extra payments.) • AI-powered financial insights: Ranked, descriptive insights into your spending, budget recommendations, and anomalies. Unlock unlimited insights with Fiscify Plus. • One dashboard: Account balances, budget overview, cash flow (Sankey), Spending Runway, top categories, latest transactions, and duplicate/uncategorized surfacing. • Full expense control: Edit categories, add notes and tags, attach receipts, and manage multiple accounts. (Free: up to 2 accounts. Unlimited with Fiscify Plus.) • Transaction history: Free plan includes 90 days of history. Fiscify Plus unlocks your full history. Fiscify is built for people who want intelligent finance without the hassle: natural language and AI do the heavy lifting so you can focus on your financial health and goals. FISCIFY PLUS SUBSCRIPTION Fiscify Plus is an auto-renewable subscription that unlocks the full experience. • Monthly plan: $7.99/month • Annual plan: $49.99/year Payment will be charged to your Apple ID account at confirmation of purchase. Your subscription automatically renews unless cancelled at least 24 hours before the end of the current period. You can manage and cancel your subscription at any time in iPhone Settings > Apple ID > Subscriptions. No refunds for the unused portion of a term. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://fiscify.com/privacy-policy

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.