Inkapify: Budget & Finance

Inkapify

In-app purchases

About this app

Inkapify — Personal Finance Tracker

Take complete control of your money with Inkapify — the smart, privacy-first finance tracker that works the way you think about your finances.

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
• Credit card reward point tracking

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, payee, or tag
• Income vs. expense trends
• Net worth over time
• Monthly summaries
• Cash flow, savings rate, emergency fund coverage
• FD/CD maturity returns tracker
• Debt payoff planner
• 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, budgets, basic reports, debt & goal tracking, 15 Inka AI questions/month
Pro: PDF import, receipt scanning, advanced reports, drill-down, year-over-year comparisons, 200 Inka AI questions/month, and more

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

What’s new

Thank you for using Inkapify! This release brings bug fixes and enhancements.