SnapSpend vs OwnFi

SnapSpend turns a photo of your statement or receipt into organized spending — privately, on your device. Pay once, no subscription. Most budgeting apps make you hand over your bank login and pay every month. SnapSpend doesn't. Snap a screenshot of your credit card, bank, or chequing statement (or a single receipt) and it reads every transaction right on your iPhone. No account. No bank connection. Nothing is uploaded. PERSONAL & BUSINESS, KEPT SEPARATE (Pro) • Two independent books — Personal and Business — switch between them anytime • Scan an expense straight into the book you're in • Each book keeps its own dashboard, categories, trends and totals — clean separation for tax time SCAN ANYTHING • Card and bank statements — pulls every line into a review screen you confirm • Single receipts and bills — grabs the total; tap to pick it on itemised receipts • Import several statement screenshots at once (Pro) • Direct PDF statement import works best with Tangerine credit-card statements; other banks may import partially — you review and fix every row before saving (Pro) • Reads English and French statements (and more), accents included IT LEARNS YOUR SPENDING • Set a vendor's category once and SnapSpend remembers it next time • Rename or merge vendors — future scans follow automatically • Auto-categorizes common merchants out of the box STAY IN CONTROL • Dashboard with category breakdown and spend-over-time • Per-category trends — up or down vs last week, month, or year • Budgets with alerts at 80% and 100% (Pro) • Detects recurring charges and subscriptions (Pro) • Duplicate detection across receipts and statements, even with spelling differences YOUR DATA STAYS YOURS • On-device — OCR and parsing run locally, with no servers of ours • Free iCloud backup — privately stored in your own iCloud, so deleting and reinstalling brings everything back • Source images stored encrypted; delete them anytime • No sign-up, no analytics, no tracking Import from Mint, YNAB, or a bank CSV, and export your data to CSV anytime — opens in Excel & Numbers (Pro). SnapSpend Pro is a one-time purchase — pay once, keep it forever. No subscription.

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.