Now on Android · Beta

Your money.
Finally clear.

Inkapify is the AI-powered personal finance app that gives you a complete picture of your financial life — powered by Inka, your personal finance assistant.

Get it on Android — Free See all features →

No bank connections · No credit card · iOS coming soon

Budget tracking
Reports list
Spending by category
Inkapify Dashboard
Inka AI assistant
Transaction history
Add transaction
🔒AES-256 encrypted
🚫No bank connections
🤖Powered by Claude AI
🌍Multi-currency support
✅GDPR compliant
Core features

Everything you need.
Nothing you don't.

Built for people who want a real picture of their financial life — not just a transaction log.

💰
Complete Tracking
Record every transaction — income, expenses, and transfers. Split across multiple categories. Attach receipts. Full history, always searchable.
📊
11 Powerful Reports
Spending by category, income vs expense, net worth trends, balance sheet, budget performance, credit card rewards, by tag, by payee, monthly summary, compare years, and drill-down analytics.
🎯
Smart Budgets
Set budgets by category or group. Track in real time with progress bars and alerts. Know before you overspend — not after.
🔄
Recurring Automation
Auto-enter bills and recurring income. Full loan amortization with EMI schedules. Prepayment simulation. Flexible end conditions.
🎯
Goals & Debts
Set savings goals and track progress. Track money lent and borrowed. Full debt payment history and settlement tracking.
🎨
Fully Customisable
18 stunning themes with light and dark modes. 13 configurable dashboard tiles. Multi-currency. Full timezone awareness.
Inka AI

Your finances,
explained.

Ask Inka anything about your money in plain English. She knows your actual numbers — and gives you real, personalised answers. Not generic advice.

🔐
100% private by design
Only aggregated summaries sent to AI. No raw transactions, account numbers, or personal identifiers ever shared.
⚡
Real answers from your data
Inka references your actual numbers. Finance questions only — off-topic requests are blocked.
🗑️
Session-only conversations
Every conversation is deleted when you close the chat. Nothing stored between sessions.
I
Inka
Online
What's my biggest expense this month?
Your biggest expense is Food & Dining at $480 — 28% of your total spending and $45 more than last month. Next: Transport ($180) and Utilities ($140).
Am I on track with my budgets?
2 of 3 budgets are on track. Groceries is fine at 65%. But your Dining Out budget is already at 92% — worth slowing down this week.
How much have I saved this year?
Year-to-date you've saved $5,240 — a 24% savings rate. That's above the recommended 20%. At this pace you'll save ~$7,500 by year end.
How it works

Up and running
in minutes.

No bank connections. No complicated setup. Just open the app and start.

1
Create account
Sign up free in seconds. Choose your home currency and timezone. Data syncs securely across devices.
2
Add your accounts
Set up your bank accounts, credit cards, loans, and investments. Enter opening balances and Inkapify tracks the rest.
3
Track & budget
Log transactions, set budgets, automate recurring bills. Import from CSV or enter manually.
4
Ask Inka
Chat with Inka AI for personalised insights about your spending, savings rate, and goals.
Account types

Every account.
One app.

Supports every type of personal financial account — including specialist ones most apps ignore.

🏦
Banking
Checking & savings
💳
Credit Cards
Rewards & limits tracking
📈
Investments
Portfolio overview
🏛️
Fixed Deposits
Maturity tracking
🏠
Property
Value & equity
📋
Loans
EMI automation
🏡
Mortgages
Full amortization
💵
Cash
Wallet tracking
Go deeper

Built for every
financial scenario.

From daily coffee to complex loan amortization — the full spectrum of personal finance.

8+
Account Types Supported
Manage every kind of financial account in one app — from everyday banking to specialist accounts like fixed deposits and mortgages.
BankingCredit CardsFixed DepositsInvestmentsLoansProperty
13
Dashboard Tiles
Drag, reorder, and configure 13 specialised tiles. Each powered by optimised database queries for instant loading.
Net WorthMonthly SummaryBudget PerformanceSpending ChartCalendar
EMI
Loan Amortization Engine
Set up any loan or mortgage and let Inkapify automatically generate the full amortization schedule, create recurring EMI transactions, calculate interest vs principal splits, and simulate the impact of prepayments. The most powerful feature in the app — built for real-world complexity.
EMI BREAKDOWN — OCT 2026
Total EMI$1,240.00
Principal$890.00
Interest$350.00
Remaining balance$48,230.00
28% of loan repaid · 72% remaining
Security & Privacy

Your data is yours.
Always.

We built Inkapify with privacy as a first principle — not an afterthought.

🔒
AES-256 Encryption
All data encrypted at rest and in transit using TLS/SSL. Bank-level security standards throughout.
👆
App Lock
Fingerprint, Face ID, or PIN lock. Auto-locks after configurable timeout. Nothing visible without authentication.
🚫
No Bank Access
We never connect to your bank accounts. All data is entered by you manually. Your credentials stay with you.
🗑️
Right to Delete
Delete your account at any time from the app. All data permanently purged within 30 days. No questions asked.
Pricing

Simple, honest pricing.

Start free and upgrade when you need more. No hidden fees. Cancel anytime from Google Play.

Free
$0/mo
Forever free. No credit card.
  • Unlimited transactions
  • Up to 3 accounts
  • 3 budgets & 5 recurring rules
  • 15 Inka AI questions / month
  • 90-day transaction history
  • Full all-time history
  • Advanced reports
  • CSV import & export
  • All 18 themes
Get started free
MOST POPULAR
Pro
$4.99/mo
$39.99/year Save 33%
  • Everything in Free
  • Unlimited accounts & budgets
  • 200 Inka AI questions / month
  • Full all-time history
  • All 11 reports + drill-down
  • Custom date ranges
  • CSV import & export
  • All 18 themes + 13 tiles
  • Investment tracking
Upgrade to Pro

Subscriptions managed through Google Play. Cancel anytime.

FAQ

Common questions.

Everything you need to know before you download.

Does Inkapify connect to my bank? +
No. Inkapify never connects to your bank accounts or requests banking credentials. All transactions are entered manually or imported via CSV. This is intentional — your banking passwords never touch our servers.
Is my financial data safe? +
Yes. All data is encrypted at rest (AES-256) and in transit (TLS/SSL). Row-level security means your data is completely isolated. You can enable App Lock with fingerprint or PIN. Delete your account and all data at any time from within the app.
How does Inka AI work? +
Inka answers questions using aggregated summaries of your data — not raw transactions. We send only totals and percentages to the AI model. No account numbers, transaction notes, names, or identifiers are shared. Conversations are deleted when you close the chat.
What's included in the free plan? +
The free plan includes unlimited transactions, up to 3 accounts, 3 budgets, 5 recurring rules, 15 Inka AI questions per month, and 90 days of history. Pro unlocks unlimited everything, full history, all 11 reports, CSV import/export, and 200 Inka AI questions per month.
Can I import my existing transactions? +
Yes. Pro users can import transactions from any bank via CSV. The importer automatically detects transfer pairs and handles multiple currencies. Free users can export their data at any time.
Is iOS available? +
Not yet — Inkapify is Android-first. iOS is planned and will be announced when available. Email [email protected] to be notified when iOS launches.
Download

Start your financial
journey today.

Free to download. No credit card. No bank connections. Just clarity.

Available on
Google Play
Coming soon
App Store iOS