macOS native app

Ask your money anything.
Get an honest answer.

OpenFi is the personal finance app that actually stays personal. Your data lives on your Mac, AI handles the analysis, and you ask questions in plain English instead of building spreadsheets.

$49 once — not $99/year like Monarch or YNAB
Your data never leaves your Mac — we literally can't see it
Budgeting + investments + net worth — one app, not three

Launching soon. No spam, just a launch notification.

Oracle

What changed in my spending this month?

Your total spending is up 12% vs. last month, driven by two categories:

Dining: $840 (+$180). You ate out 6 more times than last month, mostly on weekends.
Home: $1,200 (+$420). One-time HVAC repair on Jan 14.

Everything else is within normal range. Your savings rate is still 22%.

Real AI analysis from your actual transaction data.

The problem

Your financial tools are broken

Monarch & YNAB

$99–109/year to store your data on their servers. Sync breaks constantly. No real AI. And the price goes up every year.

Spreadsheets

Powerful but brutal. Hours of manual entry. No bank sync. Can't ask "why did my spending go up?" and get an answer.

Mint (RIP) & Empower

Mint shut down and displaced millions. Empower is degrading under new ownership. Both sold your data to fund "free."

The killer feature

Oracle: a financial advisor that lives on your Mac

Ask any question about your money in plain English. Oracle analyzes your real transaction data and gives you a straight answer with evidence.

Am I on track for my house down payment?

At your current savings rate of $2,100/month, you'll hit your $60K goal by March 2027 — 2 months ahead of schedule. Your biggest risk is the quarterly insurance payment in April.

What subscriptions am I paying for that I haven't used?

3 subscriptions with no matching activity in 60+ days: Adobe Creative Cloud ($54.99), Peloton ($44), and ClassPass ($49). That's $147.99/month — $1,776/year.

Can I afford a $3K vacation in June?

Based on your projected cash flow, you'll have $4,200 in discretionary funds by June 1. A $3K trip is doable without touching your emergency fund or slowing your house goal.

How does this month compare to last month?

Spending is up 8% ($380). The spike is one-time: a $420 car repair. Excluding that, you're actually down 2%. Recurring expenses are flat.

Always-on intelligence

Reports that update themselves

You don't build these. They build themselves from your linked accounts and AI categorization.

Spending Breakdown

Where your money goes, by category, with month-over-month deltas. Recurring vs. one-time separated automatically.

Net Worth Timeline

All assets minus all liabilities, tracked over time. See if you're actually making progress or just treading water.

Goal Tracking

Set savings, spending, or net worth targets. See exactly whether your current pace will get you there.

Recurring Detection

AI finds your subscriptions, rent, insurance, and recurring charges automatically. No manual tagging.

Setup

Three steps. Five minutes.

Connect your banks

Link checking, savings, credit cards, and investment accounts through Plaid. 12,000+ institutions supported.

AI learns your finances

Transactions sync and categorize automatically. A short interview personalizes your categories to your actual life.

Ask anything

Oracle is ready. Ask about spending, goals, net worth, or whatever's on your mind. Get answers, not charts you have to interpret.

Comparison

How OpenFi stacks up

	OpenFi	Monarch	YNAB	Copilot
Price	$49 once	$99/yr	$109/yr	$95/yr
AI Q&A (ask anything)	Yes — Oracle	Basic assistant	No	No
Data stays on your device	Yes	No — cloud	No — cloud	No — cloud
Budgeting + investments	Yes	Yes	No investments	Yes
AI categorization	Yes	Basic rules	Basic rules	Per-user ML
Native macOS app	Yes — SwiftUI	Web app	Web app	Yes
Subscription required	No	Yes	Yes	Yes

Architecture

Your finances shouldn't live on someone else's computer

OpenFi is local-first. Your data stays in an encrypted database on your Mac. We never see it, we can't sell it, and there's no cloud server to breach.

Their architecture

You → Their Cloud → Your Bank

Your transactions sit on someone else's server. They can see it, mine it, lose it in a breach, or shut down and take it with them (ask Mint users).

OpenFi's architecture

You → Your Mac → Your Bank

Your Mac talks directly to Plaid. Transactions land in a local database. API keys live in macOS Keychain. Nothing ever hits our servers.

Pricing

One price. Yours forever.

OpenFi

$49one-time purchase

Oracle AI — ask your finances anything
Unlimited bank accounts via Plaid
AI categorization with learning corrections
All reports, goals, and dashboards
Net worth tracking across all accounts
Lifetime updates

Monarch costs $99/year. Every year. YNAB costs $109/year. Every year.
OpenFi costs $49. Once.

Get Early Access

FAQ

Common questions

Why is this only $49 when competitors charge $99/year?

OpenFi runs on your Mac, not our servers. We don't pay for cloud infrastructure to store your data, so we don't need to charge you rent for it. The one-time price covers development and Plaid integration costs.

Is this macOS only?

Yes, OpenFi is a native macOS app built with SwiftUI. This is a deliberate choice — local-first architecture means your data stays on your machine, and native means it's fast and integrates with macOS Keychain for credential security. iOS and other platforms are on the roadmap.

How is my data protected?

Your financial data is stored in an encrypted local database on your Mac. API keys and credentials are managed through macOS Keychain. We never see, store, or transmit your financial data. There's no cloud to breach.

Can I track both spending and investments?

Yes. OpenFi connects to checking, savings, credit cards, loans, and investment accounts. You get a unified net worth view alongside spending analysis, goal tracking, and Oracle Q&A across everything.

What can I ask Oracle?

Anything about your finances. "Why did my spending go up?" "Am I on track for my goals?" "What subscriptions can I cut?" "Can I afford this purchase?" Oracle analyzes your real transaction data and gives you plain-English answers with evidence.

What if I switch computers or need to migrate?

Your database file can be copied to a new Mac. Since everything is local, you own the file and can back it up however you prefer — Time Machine, iCloud Drive, or manual copy.

Stop paying rent on your financial data.

$49 once. Everything included. Your data stays on your Mac.