A native macOS personal finance app. Your transactions live on your Mac, not on someone's server. AI-powered categorization that learns from you, and an assistant that can actually query your data.
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.
One plan. Bank sync and AI included, nothing to configure.
Everything included — bank sync, brokerage sync, and AI. Your transactions stay in a local database on your Mac.
Prefer to run your own AI key? You can point OpenFi at your own Google Gemini key in Settings at any time — your AI requests then go straight to Google instead of through our servers. A one-time purchase without bank sync is planned once we support connecting banks with your own credentials.
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, in a database encrypted at rest with SQLCipher and isolated by the macOS App Sandbox — we can't lose data we don't have, and the app keeps working whether or not we're around.
It's more than merchant names and amounts. Depending on the feature, OpenFi can also send Google Gemini any payee name or payment memo your bank supplies with a transaction, your account names, last four digits and balances, your goals and monitors, and documents you choose to upload in full — see What goes to Google Gemini above for the summary and the privacy policy for the complete list. On the paid tier (which our subscription and public-beta proxy both use), Google doesn't use your data for training. If you bring your own key, we recommend enabling billing on it for the same protections.
Most personal finance apps keep your financial history on their servers. OpenFi is local-first — your transactions live in an encrypted database on your Mac, and only the narrow slices described in the privacy policy ever leave it. It’s also 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.