OwnFi vs Gageboo

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.

Stop budgeting alone. Gageboo is a shared expense tracker for couples and families. When one person adds an expense, it appears on the other's device in real time — who spent what, at a glance. ◆ Start Pro today — your first month is free Try every Pro feature for a month before you pay. Cancel anytime during the trial. KEY FEATURES • Shared ledgers: invite your partner or family with one link, sync in real time (Pro) • Photo import: snap your banking app screen and transactions are recognized and added in one go (Pro) • Insights: category donut chart, monthly report, cash flow, calendar view • Budgets: set a monthly budget with progress and overspend alerts • CSV export & import (Pro) • Face ID lock and automatic iCloud backup (Pro) • Dark mode, 24 languages, currency options, custom photo icons for categories and ledgers PRIVACY BY DESIGN Gageboo has no server. Your data stays on your device and in your own iCloud — no sign-up, no ads, no tracking. Nobody can see it, not even us. FREE TO START Adding and editing transactions, insights, calendar, and budgets are free. Shared ledgers, photo import, CSV, Face ID, and iCloud backup require a Pro subscription. SUBSCRIPTION • Pro is an auto-renewing monthly or yearly subscription; billing starts after a free first month. • Payment is charged to your Apple Account and renews unless cancelled at least 24 hours before the period ends. • Manage or cancel: device Settings > Apple Account > Subscriptions. Privacy Policy: https://cafe.naver.com/techstudio/11 Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Contact: techstudio@kakao.com