Drop in a statement
PDF or CSV. Parsed and categorized on-device — with Apple Intelligence on supported iPhones.
100% on-device · One-time purchase
Your money.
Your money.
Your phone.
Nobody else's.
Offin reads your bank statements, auto-tracks Apple Pay taps, and takes cash by voice — then turns it all into budgets, trends, and a monthly review. Without an account, the cloud, or a monthly fee.
- No account
- No subscription
- No data leaves your phone
Statements auto-read from
How it works
From airplane mode to insights.
One loop, the whole story — flip on airplane mode, money comes in three ways, and Offin sorts it and charts it. All on your phone.
Card & Bank
Drop in a PDF or CSV once a month — every transaction read on-device.
Cash, by voice
“Spent 60 on gas yesterday” — transcribed and parsed on your phone.
Apple Pay taps
Set up the Shortcut once — every in-store tap flows in the instant you pay.
Statement import
From PDF to organized in three steps.
Most banks let you download statements right in their app — then it's just Share → Offin.
Review & confirm
See the date range, count, and auto-categorization rate before anything lands. Duplicates are caught automatically.
Everything organized
Merchants recognized, logos matched, categories assigned. Search anything, fix anything with one tap.
Features
Everything you need. Nothing you don't.
Offin focuses on the handful of things that actually help you understand your money — and skips the rest.
See where it all goes
A spending wheel by category, top merchants, and month-over-month trends — tap any slice to drill in.
Know what you keep
Income vs. spending, every month — your savings rate, tracked automatically.
12% avg savings rate · that's $135 kept each month
Budgets that nudge, not nag
Set limits per category. Rings fill as the month goes — red only when it matters.
Catch every subscription
The recurring-charge radar spots your bills and shows what's due next — before it hits.
A recap worth reading
Every month, Offin builds a review of what came in, what went out, and what changed.
No-spend days, at a glance
A daily heatmap of your spending — build streaks of quiet days.
Teach it once
Create a rule from any transaction — future (and past) matches categorize themselves.
Locked to your face
Face ID app lock, files encrypted at rest, and a private iCloud backup on your account — never ours.
Screens
A closer look.
Real screenshots, straight from the app. Swipe through →
Privacy
What leaves your phone: nothing.
Most finance apps work by handing your bank login to a third-party aggregator and copying your transactions to their servers. Offin refuses the whole model.
No bank linking
Your bank credentials stay with your bank. Offin never asks for them — there's no Plaid, no aggregator.
No servers
Parsing, categorization, insights — all computed on your iPhone. There is no Offin cloud to breach.
No account
No sign-up, no email, no password. Open the app and start.
No tracking
No ads, no analytics SDKs, no selling data. Our business model is you buying the app — once.
Backup? Your data syncs to your private iCloud — encrypted, on your Apple account, invisible to us.
How Offin compares
Built differently from the rest.
Others trade your privacy for convenience. Offin trades ~30 seconds a month for full privacy — and skips the subscription.
| Feature | Offin | Copilot Money | YNAB | Rocket Money |
|---|---|---|---|---|
| Price | One-time | $95/yr | $109/yr | $72/yr + |
| 100% on-device — no cloud | ✓ | ✕ | ✕ | ✕ |
| No account or login required | ✓ | ✕ | ✕ | ✕ |
| No bank linking (Plaid) needed | ✓ | ✕ | ✕ | ✕ |
| How transactions get in | You import | Auto bank sync | Auto bank sync | Auto bank sync |
| PDF & CSV statement import | ✓ | CSV only | CSV only | ✕ |
| Apple Pay auto-tracking | ✓ | ✕ | ✕ | ✕ |
| No ads, never sells your data | ✓ | ✓ | ✓ | ✕ |
Comparison based on publicly listed features and pricing as of 2026. Third-party names belong to their respective owners.
Pricing
Buy it once.
Buy it once.
Own it forever.
No subscription. No tier upgrades. No “Pro” features held hostage. A 3-day free trial is built in — your data stays even if you don't buy.
OFFIN · LIFETIME
Introductory price · limited time
$29.99$9.99 once
- Unlimited accounts & transactions
- Statement imports — PDF, CSV
- Apple Pay auto-import shortcut
- Voice input & manual entry
- Insights, trends, budgets, monthly review
- All future updates
FAQ
Fair questions.
If nothing leaves my phone, how do transactions get in?
Three ways: import a PDF or CSV statement from your bank (about 30 seconds a month), log cash by voice or a quick form, and let the Apple Pay Shortcut auto-capture in-store taps the instant you pay. Everything is parsed on-device.
Which banks can Offin auto-read?
PDF statements from Chase, Bank of America, Citi, American Express, and Discover are parsed automatically, with more in the works (Wells Fargo, Capital One). Any other bank works via CSV export.
How does the Apple Pay auto-import work?
You set up the Offin Shortcut once. From then on, every in-store Apple Pay tap sends the merchant, amount, and time straight into Offin on your phone — no server involved, no bank connection needed.
What if I lose my phone?
Offin backs up to your private iCloud — on your Apple account, encrypted, invisible to us. Restore on a new device and your history is back.
Is it really a one-time purchase?
Yes. Pay once, use it forever, including future updates. There's a 3-day free trial built in, and your data stays on your phone even if you decide not to buy.
Can I try it before importing my own statements?
Yes — the app ships with a demo mode seeded with sample data, so you can explore every screen before touching a real statement.