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Privacy Policy
Now on Android & iOS

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.

Google Play — Free App Store — Free See all features →

No bank connections · No credit card

Budget tracking
Reports list
Spending by category
Inkapify Dashboard
Inka AI assistant
Transaction history
Add transaction

What is Inkapify?

Inkapify is a personal finance app for Android and iPhone. It helps you record income and expenses, set budgets, manage loans and investments, track savings goals, and generate detailed financial reports — all stored privately on your device with no bank connections required.

You can optionally back up your data to Google Drive (Android) or iCloud (iPhone). When you do, Inkapify connects to your chosen cloud storage only to save and restore your backup file — it cannot see, access, or touch any other files. Your photos, documents, and everything else remain completely private.

Before your backup is uploaded, it is locked with a password that only you know — so even if someone accessed your cloud storage, they could not read your financial data. Cloud backup is entirely optional and can be turned off at any time from the app settings.

AES-256 encrypted
No bank connections
Powered by Gemini AI
Multi-currency support
No cloud data collection
18+Financial reports
13Dashboard tiles
150+Currencies
100%Works offline
23Custom themes
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.
18 Powerful Reports
Spending by category, income vs expense, net worth trends, balance sheet, budget performance, credit card rewards, savings rate, emergency fund, income by source, FD returns, debt payoff, cash flow, daily snapshot, and more.
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
23 stunning themes including 5 new Professional themes with rich accent headers. 13 configurable dashboard tiles. Multi-currency. Full timezone awareness.
Smart Import
Import transactions from any bank by uploading a PDF statement — AI extracts and categorises everything automatically. Or snap a photo of a receipt and let AI fill in the details instantly.
Encrypted Cloud Backup
Back up your data to Google Drive or iCloud. Your backup is locked with a password before it leaves your device — only you can open it. Inkapify only accesses the backup files it creates in your cloud storage; your other files are never touched. Restore to any device in seconds.
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.
🗑️
24-hour local memory
Conversations are stored only on your device for 24 hours for context continuity, then automatically cleared.
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
Get started
No sign-up needed. Open the app, set your currency, and start. Your data stays on your device.
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. Enter manually, import via CSV or PDF bank statement, or scan a receipt with your camera.
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
Backup & Restore

Your data, backed up.
Always encrypted.

Inkapify lets you back up your financial data to Google Drive or iCloud. Before any file leaves your device, it is locked with a password only you know — making it unreadable to anyone else, including us.

Google Drive Backup
When you connect Google Drive, Inkapify can only see the backup files it creates — nothing else. Your existing photos, documents, and all other Google Drive content are completely inaccessible to Inkapify. You can disconnect at any time from your Google Account settings.
iCloud Backup
On iPhone, Inkapify can back up to a private folder in your iCloud Drive called "Inkapify". Only the Inkapify app can access this folder. Your other iCloud files, photos, and documents are never accessed. You can enable or disable iCloud backup at any time from the app settings.
End-to-End Encrypted
Every backup file is locked with a password you set before it leaves your device. Inkapify servers never see your financial data. Even if someone accessed your cloud storage, they would not be able to read your backup without your password.
Security & Privacy

Your data is yours.
Always.

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

AES-256 Encryption
Your financial data never leaves your device. Backup files encrypted with AES-256-GCM. AI features use TLS/SSL in transit.
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
Wipe all your data at any time from within the app. Instant, complete, and permanent. No questions asked.
Pricing

Simple, honest pricing.

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

Free
$0/mo
Forever free. No credit card.
  • Unlimited transactions
  • Unlimited categories
  • Up to 5 accounts
  • 5 budgets & 5 recurring rules
  • CSV import & export
  • Investment tracking
  • 15 Inka AI questions / month
  • 90-day transaction history
  • 8 reports included
  • 10 themes included
  • Full all-time history
  • Advanced reports & drill-down
  • PDF & receipt import
  • All 23 themes
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 18 reports + drill-down
  • Custom date ranges
  • PDF bank statement import
  • Receipt scan (AI-powered)
  • Loan amortization engine
  • All 23 themes + 13 tiles
  • Bulk edit & custom account types

Subscriptions managed through Google Play or App Store. 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. You add transactions manually, import via CSV, upload a PDF bank statement, or scan a receipt with your camera. This is intentional — your banking passwords never touch our servers.
Is my financial data safe? +
Yes. Your financial data is stored only on your device — it never leaves to our servers. You can enable App Lock with fingerprint or PIN to prevent unauthorised access. Wipe all your 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 stored locally on your device for 24 hours, then automatically cleared.
What's included in the free plan? +
The free plan includes unlimited transactions, up to 5 accounts, 5 budgets, 5 recurring rules, CSV import & export, investment tracking, 7 reports (Spending by Category, Income vs Expense, Net Worth, Monthly Summary, Savings Rate, Emergency Fund, Income by Source), 15 Inka AI questions per month, and 90 days of history. Pro unlocks unlimited everything, full history, all 18 reports with drill-down, PDF bank statement import, receipt scan, loan amortization, and 200 Inka AI questions per month.
Can I import my existing transactions? +
Yes — three ways. (1) CSV: import from any bank export. (2) PDF bank statement: upload your statement PDF and AI automatically extracts and categorises transactions. (3) Receipt scan: photograph a receipt and AI fills in the merchant, amount, date, and category. All three import methods are Pro features. Free users can always export their data as CSV.
Is my data safe when using PDF import or receipt scan? +
Yes. For PDF import, only extracted transaction text (merchant names, dates, amounts) is sent to Google's Gemini AI for classification — the raw PDF file is never stored on our servers. For receipt scan, the photo is sent directly to Gemini AI over an encrypted connection and discarded immediately after extraction — we never store your receipt images. We use Google's paid API plan, which means your data is never used to train AI models. See our Privacy Policy for full details.
Why does Inkapify need access to Google Drive or iCloud? +
Inkapify connects to Google Drive or iCloud only to save and restore your backup file — nothing else. It cannot see or access your existing photos, documents, or any other files in your cloud storage. For iCloud, backups go into a private Inkapify folder that only the app can open. Before any backup leaves your device, it is locked with a password only you know — so even if someone gained access to your cloud storage, they could not read your financial data. Google Drive backup can be disconnected at any time from your Google Account settings. iCloud backup can be turned off from the app settings.
Is Inkapify available on iPhone? +
Yes! Inkapify is now available on both Android and iPhone. Download on the App Store or Get it on Google Play.
Download

Start your financial
journey today.

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

✅ Live on App Store  ·  ✅ Live on Google Play

Available on
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Available on
App Store
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App Store