Inkapify: Expense Tracker

Inkapify

In-app purchases

About this app

Inkapify — Personal Finance Tracker & Expense Manager

Take complete control of your money with Inkapify — the smart, privacy-first expense tracker and money manager that works the way you think about your finances. Try Pro free for 7 days.

TRACK EVERY TRANSACTION
• Log income, expenses, and transfers in seconds
• Works fully offline — all data stored locally on your device
• Split transactions across multiple categories
• Attach receipts and photos to any transaction
• Set recurring rules for bills, subscriptions, and income
• Duplicate, bulk-edit, and bulk-delete transactions with ease
• Restore accidentally deleted transactions from the Trash

MULTIPLE ACCOUNTS, ONE VIEW
• Manage bank accounts, credit cards, loans, investments, and more
• Custom account types to match your financial life
• Net worth dashboard across all accounts
• Full loan & mortgage amortization schedules with payment tracking (Pro)
• Credit card reward point tracking (Pro)

SMART BUDGETS
• Monthly budgets by category or category group
• Real-time spending alerts
• Budget rollover — carry unspent amounts to next month
• Budget performance reports and burn-rate tracking

POWERFUL REPORTS
• Spending by category
• Spending by payee or tag (Pro)
• Income vs. expense trends
• Net worth over time
• Monthly summaries
• Savings rate and emergency fund coverage
• Cash flow (Pro)
• FD/CD maturity returns tracker (Pro)
• Debt payoff planner (Pro)
• Tax summary report
• Year-over-year comparisons (Pro)
• Drill down from any chart to individual transactions (Pro)
• CSV export for any report | PDF export (Pro)

DEBT & GOAL TRACKING
• Track money you've lent and borrowed
• Set savings goals with milestone tracking
• Visual progress bars and projected completion dates
• Link transactions directly to goals and debts

BUILT FOR PRIVACY
• No account required — no sign-up, no login, ever
• Your financial data lives only on your device — never uploaded to any server
• AI features (PDF import, receipt scan, Inka AI) only send content you explicitly share, and only when you trigger them
• Encrypted backup — export and restore your data as a secure backup file
• Cloud backup to Google Drive — optional, user-controlled, encrypted before upload
• App Lock with biometrics or PIN to protect your data
• Hide all amounts with one tap

INKA AI — YOUR PERSONAL FINANCE ASSISTANT
Ask Inka anything about your finances in plain language:
• "What's my biggest expense this month?"
• "Am I on track with my grocery budget?"
• "How much did I spend on dining last quarter?"

Inka reads your real data and gives personalized answers — not generic advice.
• Free: 15 questions/month
• Pro: 200 questions/month

AI-POWERED FEATURES (PRO)
• Import bank statements via PDF — AI extracts transactions automatically
• Scan receipts with your camera — AI fills in the details

MULTI-CURRENCY SUPPORT
• 170+ currencies with live exchange rates
• Set your home currency for consolidated reporting
• Per-account currency with automatic conversion

IMPORT & EXPORT
• Import transactions from CSV
• Export to CSV for spreadsheets or tax preparation
• Bulk import with smart duplicate detection
• Backup and restore via encrypted backup file or Google Drive

FREE vs PRO
Free: unlimited transactions, up to 5 budgets, basic reports, goal & debt tracking, 15 Inka AI questions/month
Pro: unlimited budgets, accounts, goals and more, PDF import, receipt scanning, all reports, drill-down, year-over-year comparisons, 200 Inka AI
questions/month

FREE TRIAL
Eligible new subscribers get 7 days of Pro free. Monthly or annual plans, billed through Google Play. Auto-renews unless cancelled before the
trial or period ends. Cancel anytime in Google Play › Subscriptions.

Inkapify is built for people who want real control over their finances — without giving up their privacy.

Ratings and reviews

Excellent app for managing personal finances! Simple, user-friendly, and very effective in tracking expenses and budgets. Highly recommended!

Useful app for tracking all transactions and planning everything related to money

Great app to track my finances and keep budgets on track. Al is very user friendly

What’s new

Thank you for using Inkapify! This release brings:
- 7-day free Pro trial on any Pro feature — cancel before it ends, no charge.
- Reminder before your trial ends.
- Bug fixes and improvements.