OwnFi vs BillVault

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.

Every bill and subscription in one place, a reminder before anything is due, what is safe to spend until payday, and Apple Intelligence when you have a question about them. No account, no bank login, nothing sent to the developer. Reminders before anything is due • Reminders three days before and on the day • A calendar of everything due, with daily totals • Overdue bills front and center until they're paid • Autopay bills flagged so you can check the amount before it leaves Add a bill in seconds • Point the camera at a paper bill, the biller, amount and due date fill themselves in • Paste the text of an email bill • Open a bank statement export and BillVault finds the charges that repeat See where the money goes • Safe to spend until your next payday, once every bill due before it is counted • Import a statement and every purchase is sorted into a category • Spending by category, top merchants, month-over-month trend • Net worth from your account balances, with a trend line • Budgets per category, with bills counted automatically • Savings goals with a months-to-go estimate • Income with per-paycheck deductions and real take-home Cancel what you don't use • Drafted cancellation email for any subscription • A phone-call brief: what to say, how to answer the retention offer, what to get before hanging up It watches so you don't have to • Free trials flagged before they convert • Price rises caught the month they happen • Duplicate services spotted (two music apps, three streamers) • Budget alerts at 85% and 100% • A heads-up when bills due this week exceed your checking balance Ask anything • "What's due this week?" "How much do subscriptions cost me a year?" "Am I over budget?" • Everyday questions are answered instantly by the app itself; harder ones go to Apple Intelligence • On iOS 27, real reasoning from Apple's larger model on Private Cloud Compute, which can write the briefing and cancellation letters too • Works with Siri: "What's due in BillVault", "Mark a bill paid in BillVault" On your wrist and Home Screen • Apple Watch app and complication: this week's bills and anything overdue, and mark a bill paid from your wrist • Widgets for the Home Screen and Lock Screen, and on iOS 27 a tall widget that shows the month ahead • Live Activity: the bill due today shows in the Dynamic Island and on the Lock Screen Built for privacy • Runs on Apple Intelligence. On iOS 27 a question, the briefing, a cancellation letter or naming imported charges can use Apple's Private Cloud Compute, designed so that Apple cannot read it; switch it off in Settings and everything runs on your iPhone. Scans and photos never leave it • No account, no bank login, nothing sent to the developer • Face ID lock; card numbers stored in the Keychain • One-tap CSV export, your data is yours Also • Split bills with a roommate • Monthly check-in that catches price rises • Payment history with on-time tracking Free BillVault tracks unlimited bills with reminders, forever. BillVault Pro (a yearly subscription with a 7-day free trial for new subscribers, a monthly subscription, or a one-time purchase; local prices are listed under In-App Purchases on this page) adds unlimited scanning, statement import, net worth, the card vault, unlimited budgets and goals, and unlimited copilot questions. With Pro, start with your last three months of statements, then add one each month to keep recurring charges up to date. Family Sharing included. No ads, ever. Apple Intelligence features need iPhone 15 Pro or later, or a supported iPad or Mac, with Apple Intelligence turned on. Everything else works on iOS 26 or later. Payment is charged to your Apple Account. Subscriptions renew automatically unless canceled at least 24 hours before the end of the period and can be managed in Settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://dlong8484.github.io/billvault-support/privacy.html