A native macOS personal finance app. Your transactions live on your Mac, not on someone's server. AI-powered categorization that learns from you. No subscription required.
OpenFi handles the boring categorization so you can answer interesting questions about your money. Built around a local database, a smart AI assistant, and the kind of privacy posture you'd expect from a tool that handles your financial life.
Connect thousands of US banks, brokerages, and credit cards. Transactions sync every 4 hours and on webhook triggers.
Powered by Google Gemini. Correct a category once and OpenFi remembers — across merchants, across time.
"How much on tacos last quarter?" "Are my subscriptions creeping?" Oracle pulls the data, runs the analysis, and shows you the answer.
A 6-step life interview generates a category tree tailored to you — kids, pets, hobbies, side businesses — instead of a one-size-fits-all taxonomy.
Savings goals, spending reduction targets, budget alerts. Background monitors check progress automatically.
Brokerage CSV import, daily stock price updates, AI-powered property and vehicle revaluation. Net worth, in one place.
On-device speech-to-text. Ask Oracle questions or fill out the onboarding interview by voice. No audio leaves your Mac.
Year-in-review, spending analysis, custom templates. Reports are generated by AI and only saved locally as searchable documents.
Link banks via Plaid. Add manual accounts for anything Plaid doesn't reach. Import brokerage positions from CSV.
A short interview — household, work, hobbies — generates a category tree that actually fits how you spend.
Transactions get categorized automatically. Review the low-confidence ones, correct what's wrong. OpenFi learns.
Use Oracle for natural-language analysis. Generate reports. Set goals. Spot subscriptions you forgot about.
Pay once, use forever — or subscribe if you'd rather we handle the AI billing for you.
Bring your own Google Gemini API key. No recurring charges from OpenFi.
No setup. AI handled by us. Same privacy posture — only basic transaction data leaves your device.
Your transactions, balances, categories, and AI conversations live in a SQLite database on your Mac. We don't keep a copy.
OpenFi the company doesn't have a copy of your transactions, balances, or AI history. We store your account email, payment status, and a Plaid access token for bank sync.
Bank credentials go to Plaid (a regulated data aggregator), not to us. You can revoke access anytime via Plaid's consumer portal.
Merchant names and amounts for categorization, your category taxonomy and corrections, onboarding interview answers, free-text Oracle questions, and — for asset valuation — property addresses or vehicle details. See the privacy policy for the full list.
Export everything as CSV, then use Settings → Account → Delete Account & All Data. Moving the app to Trash alone may leave local data; the privacy policy explains the narrow records retained after deletion.
If your bank is in the US and has online banking, almost certainly yes. OpenFi uses Plaid, which covers Chase, BofA, Wells Fargo, Citi, Capital One, Amex, Discover, and roughly 12,000 other US institutions, with additional brokerage support where available. Don't see your bank? Send us a note and we'll check.
Cloud finance apps can be discontinued, change ownership, change pricing, or become a tempting target for breaches. With OpenFi, your transactions are on your Mac, protected by FileVault and macOS App Sandbox — we can't lose data we don't have, and the app keeps working whether or not we're around.
For categorization and Oracle questions, OpenFi sends merchant names and amounts to Google Gemini. On the paid tier (which our subscription uses), Google doesn't use your data for training. If you bring your own key, we recommend enabling billing on it for the same protections. Full disclosure in the privacy policy.
Most personal finance apps are cloud-based and subscription-only. OpenFi is local-first (your data on your Mac), one-time-purchase-optional (BYOK keeps it $49 forever), and AI-native (the Oracle assistant is a first-class feature, not a chatbot bolted on).
macOS only at beta. iOS and a web companion are on the roadmap but not committed.
File → Export Data writes everything as CSV. OpenFi also keeps your local data in an encrypted SQLite database on your Mac.