# Inkapify: Expense Tracker — Expense Tracker & Budgeting > AI-powered personal finance tracker for expenses, budgets, and net worth. (iPhone/iPad app by Kamlesh Saini.) - Source: https://appshunter.io/ios/app/inkapify-expense-tracker/id6766141937 (this page in markdown: same URL + `.md`) - Developer: [Kamlesh Saini](https://appshunter.io/developer/1896210934) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 2 App Store ratings - Age rating: 4+ - Requires: iOS 16.4 · 73 MB - Languages: American English - Released: 2026-05-11 - Data updated: 2026-09-15 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/inkapify-expense-tracker/id6766141937/reviews.md ## What is Inkapify? Take control of your money with Inkapify — The personal finance app built around Inka, your AI-powered finance assistant. Track expenses, manage budgets, monitor net worth, and plan for goals — all in one place. Works completely offline, so your finances are always available even without a connection. INKA AI: 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 TRACK EVERY TRANSACTION: • Add expenses, income, and transfers in seconds • Split transactions across multiple categories • Attach receipts to any transaction • Import via CSV or PDF bank statement (AI-powered) • Scan receipts with your camera — AI fills in the details • Multi-currency support with live exchange rates • Soft delete with Trash — restore anything in one tap BUDGETS THAT WORK: • Set budgets by category, subcategory, or group • Monthly, quarterly, or yearly budget periods • Rollover unused budget to next month • Visual progress bars with today marker • Available-to-spend shown prominently • Instant alerts when you're close to your limit 18+ REPORTS & INSIGHTS: • Spending by Category — pie, bar, donut, or line chart • Income vs Expense — monthly net trend • Net Worth — track your financial growth over time • Monthly Summary — income, expense, savings by month • By Tag — spending across custom tags • By Payee — where your money goes per merchant • Budget Performance — actuals vs targets • Credit Card Rewards — cashback and points earned • Subscription Tracker — all recurring charges in one view • Year Over Year — compare your top expenses and income year over year • Compare any report across multiple years side by side (Pro) • Drill down from any chart to the individual transactions behind the numbers (Pro) RECURRING RULES: • Set up any recurring transaction (salary, rent, EMI, subscriptions) • Daily, weekly, biweekly, monthly, quarterly, yearly • Auto-enter transactions on their due date • Upcoming tab shows all future entries for the next 12 months • Confirm or skip individual upcoming entries ACCOUNTS FOR EVERYTHING: • Banking, Cash, Credit Card, Investment, Fixed Deposit • Loans and Mortgages with full amortization schedule • Property accounts with value tracking • Automatic loan EMI breakdown — interest, principal, escrow GOALS & DEBTS: • Set savings goals with target amounts and dates • Track progress with contribution history • Log money lent or borrowed with partial payment tracking • Automatic reminders before debt due dates WORKS OFFLINE — 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 only send content you explicitly share, and only when you trigger them • Encrypted backup — export and restore as a secure backup file or to iCloud Drive • App Lock with Face ID, Touch ID, and PIN fallback • Hide all amounts with one tap • Export your data anytime as CSV PERSONALISE EVERYTHING: • 10 themes free, 23 with Pro — light, dark, and coloured • Adjustable font size • Configurable dashboard — choose and arrange 13 tile types • Multi-currency with 170+ currencies supported PLANS: Free: track transactions, accounts, and basic reports forever. Pro: unlock PDF import, receipt scanning, advanced Inka AI, advanced reports, and more. Try free. Upgrade when you're ready. Questions? support@inkapify.com Privacy Policy: https://inkapify.com/privacy/ Terms of Use: https://inkapify.com/terms/ ## Key features - AI-powered finance assistant - Expense and transaction tracking - Customizable budgeting - Net worth monitoring - Goal and debt management - Offline functionality - Receipt scanning and import ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Inkapify Pro Annual | $39.99 | per year | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Donate $0.99 | $0.99 | one-time | | Donate $2.99 | $2.99 | one-time | | Donate $4.99 | $4.99 | one-time | | Donate $7.99 | $7.99 | one-time | | Donate $9.99 | $9.99 | one-time | | Donate $14.99 | $14.99 | one-time | | Donate $19.99 | $19.99 | one-time | | Donate $49.99 | $49.99 | one-time | | Donate $99.99 | $99.99 | one-time | ## Frequently asked questions about Inkapify ### What are the limitations of the free version of Inkapify? The free version of Inkapify allows for 15 AI-powered questions per month. For more extensive use of the AI assistant, users can upgrade to the Pro version which offers 200 questions per month. ### How secure is my financial data with Inkapify? Inkapify is built for privacy and works completely offline. Your financial data lives only on your device and is never uploaded to any server, ensuring a high level of security and no account sign-up is required. ### Does Inkapify have ads? No, Inkapify does not contain advertisements. The app is free to use with optional in-app purchases for its Pro features. ### What devices is Inkapify available on? Inkapify is currently supported on iPhone and iPod devices. The app is designed to provide a seamless experience across these platforms. ### How often is Inkapify updated? The latest version of Inkapify is 1.0.9, and it was last updated on June 23, 2026. Updates typically include new features, performance improvements, and bug fixes. ### Can Inkapify import my bank statements? Yes, Inkapify offers AI-powered import via CSV or PDF bank statements. Additionally, you can scan receipts with your camera, and the AI will automatically fill in the details for you. ### What kind of financial reports does Inkapify offer? Inkapify provides over 18 types of reports and insights, including spending by category, income vs. expense trends, net worth tracking, budget performance, and a subscription tracker. Pro users can also compare reports across multiple years. ### Is Inkapify suitable for users of all ages? Inkapify has an age rating of 4+, making it suitable for a wide range of users. Its intuitive design and AI assistant can help younger users learn about managing their finances. ## Version history (last 5 releases) ### 1.0.18 — 2026-09-09 Thank you for using Inkapify! This release brings new bug fixes and improvements. ### 1.0.17 — 2026-09-06 Thank you for using Inkapify! This release brings new enhancements: - SDK 57 upgrade - Faster dashboard - Smarter recurring rules - UX polish ### 1.0.16 — 2026-09-04 Thank you for using Inkapify! This release brings new enhancements: - Full app design refresh — cleaner typography, rounder tiles, modern card styling throughout, consisten modern styling. - Bug fixes and performance tunning. ### 1.0.15 — 2026-09-04 Thank you for using Inkapify! This release brings Bug fixes and improvements. ### 1.0.14 — 2026-08-31 Thank you for using Inkapify! This release brings bug fixes, performance improvements and new enhancements. New Features • Financial Health Score — your finances in one A–F grade with 5-pillar breakdown (PRO) • Habits & Streaks — track your daily logging streak and monthly savings rate streak • What-If Planner — slide to cut spending categories and see how much faster you reach goals (PRO) • Goals: Net Worth Milestone goal type, monthly amount needed, and a boost calculator • Smart push notifications: get alerted when spending spikes 40%+ vs last month or a budget hits 90% (PRO) ## Apps similar to Inkapify | App | Rating | Price | Category | | --- | --- | --- | --- | | [Weally Wealth Manager](https://appshunter.io/ios/app/weally-wealth-manager/id6771268994) | — | Free | Finance | | [BalanceWise](https://appshunter.io/ios/app/balancewise/id6760785739) | — | Free | Finance | | [WorthPilot: Money Tracker](https://appshunter.io/ios/app/worthpilot-money-tracker/id6767294613) | — | Free | Finance | | [Lumo: AI Money Tracker](https://appshunter.io/ios/app/lumo-ai-money-tracker/id6783591446) | — | Free | Finance | | [PlanMyPaisa](https://appshunter.io/ios/app/planmypaisa/id6763738140) | — | Free | Finance | | [Vault AI by Nagisa](https://appshunter.io/ios/app/vault-ai-by-nagisa/id6762421739) | 5.0 (3) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-15.*