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 any of 12,000+ 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.
Forward receipts to your unique OpenFi address. The AI matches them to transactions and adds line-item detail.
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 locally and saved 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 merchant names and amounts leave 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 see only your account email and payment status.
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 free-text Oracle questions. Receipt email bodies if you use receipt matching. Nothing else.
Export everything as CSV. Uninstall to delete local data. Email us to delete your account record.
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, every major brokerage, Amex, Discover, and roughly 12,000 other US institutions. 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. Or just open the SQLite database directly — it's at ~/Library/Application Support/OpenFi/openfi.db and uses standard SQLite.