# Kapitech: Budget & Debt Payoff — Expense Tracker & Savings Goal

> Private expense tracker, budget planner, and debt payoff manager with goal setting. (iPhone/iPad app by JOSIP MARKOVIC.)

- Source: https://appshunter.io/ios/app/kapitech-budget-and-debt-payoff/id6744440182 (this page in markdown: same URL + `.md`)
- Developer: [JOSIP MARKOVIC](https://appshunter.io/developer/1807732819)
- Category: Finance, Productivity
- Price: $4.99 with in-app purchases
- Rating: 5.00/5 from 6 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 7 MB
- Languages: American English, Croatian
- Released: 2025-04-15
- Data updated: 2026-08-01
- Monetization: paid
- User reviews in markdown: https://appshunter.io/ios/app/kapitech-budget-and-debt-payoff/id6744440182/reviews.md

## What is Kapitech?

Kapitech is the all-in-one budget planner, expense tracker, debt manager, and money assistant that makes personal finance effortless and private.

No spreadsheets, no ads, and no subscriptions—just a single one-time purchase for instant clarity on where your money goes, how to make it grow, and how to strategically eliminate your debt.

Why Kapitech?:

Smart Expense Tracker – Log purchases in seconds. Powerful charts reveal exactly where you spend.

Goal-Based Budgeting – Set weekly or monthly budgets for groceries, rent, shopping, and more.

Debt Management – Track and visualize all your debts in one place. Compare payoff strategies and see exactly when you'll be debt-free.

Savings Goals – Pick an amount and a deadline (vacation, car, emergency fund). Watch the progress ring fill up as you save.

Premium Design – Elegant dark mode, haptic feedback, and custom icons and colors. Managing money has never looked this good.

100% Privacy – Your data stays on your device. No sign-up is required.

Power Features:

    Unlimited custom categories

    Strategic debt payoff calculators (Avalanche vs. Snowball methods)

    Payment reminders and complete payment history

    Detailed amortization schedules and interest analysis

    CSV & PDF export for easy sharing with accountants or partners

    Face ID / Touch ID protection

How It Works:

    Add your income, expenses, and debts to get a complete financial picture.

    Record transactions and payments on the go.

    Check the Dashboard for real-time insights on spending, saving, and debt reduction.

    Compare debt payoff strategies to find the fastest or most motivating path to freedom.

    Move leftover cash to your savings goals or extra debt payments and celebrate every milestone!

Thousands of savvy users already rely on Kapitech to spend smarter, save faster, eliminate debt, and reach financial freedom—all without giving up lattes or lifestyle.

Download Kapitech today with a single, one-time purchase and own your financial future.

Terms & Conditions: https://www.kapitech.app/terms.html
Privacy Policy: https://www.kapitech.app/privacy.html

## Key features

- Smart expense tracking
- Goal-based budgeting
- Debt management and payoff strategies
- Savings goal tracking
- 100% privacy, data stays on device
- Strategic debt payoff calculators
- Payment reminders

## Pricing and in-app purchases

Base price: $4.99.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Monthly Premium Subscription | $3.99 | per month |
| Annual Premium Subscription | $29.99 | per year |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/kapitech-budget-and-debt-payoff/id6744440182/reviews.md

### 5/5 — It’s been really helpful so far!!

*2025-10-01*

I absolutely love this app it’s been helping me with money management!!! I hope to see more customizable options in the future!!

## Frequently asked questions about Kapitech

### What is Kapitech?

Kapitech is a personal finance app designed to help users track expenses, manage budgets, and plan debt payoff strategies. It offers features like goal-based budgeting, savings goal tracking, and debt management tools.

### How much does Kapitech cost?

Kapitech is available for a one-time purchase of $4.99. This grants you full access to all its features without ongoing subscription fees or advertisements.

### Does Kapitech have ads?

No, Kapitech is advertised as having no ads. The description explicitly states 'no ads' and emphasizes a private, ad-free experience.

### What devices does Kapitech support?

Kapitech is supported on iPhone and iPad devices. It is designed for Apple's mobile operating systems.

### How often is Kapitech updated?

The app was last updated on September 1, 2025, with version 1.2.0. This indicates regular updates to improve functionality and address user needs.

### Is Kapitech secure?

Kapitech prioritizes privacy, stating that your data stays on your device and no sign-up is required. It also offers Face ID/Touch ID protection for added security.

### What are the subscription plans for Kapitech?

Kapitech does not have subscription plans; it is a one-time purchase. The provided subscription plan details in the data appear to be erroneous for this specific app description.

### What is the age rating for Kapitech?

Kapitech has an age rating of 4+, making it suitable for a wide range of users. This rating typically indicates content appropriate for young children.

## Version history (last 5 releases)

### 1.2.0 — 2025-09-01

Kapitech is switching from subscription based to one time purchase. Buy once, own for life!

### 1.1.2 — 2025-07-02

Small bugfixes and optimisations.

### 1.1.1 — 2025-06-02

Bug fixes and minor improvements coming your way!

### 1.1.0 — 2025-05-18

Debt Management Has Entered the Chat! 
Your debts called—they're scared of our new feature that helps you demolish them strategically. Track loans, compare payoff strategies, and watch those balances drop faster than your motivation at the gym in February.
Now you can see exactly when you'll be debt-free (spoiler: sooner than you think). We've basically turned debt payoff into a game, minus the microtransactions—because you've got enough bills already.
Premium users get unlimited debt tracking, which is ironic because our goal is to help you have zero debt. Perfectly balanced, as all finances should be.
Download now and tell your credit cards their days are numbered!

### 1.0.7 — 2025-05-09

Small optimisations and improvements coming your way.

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## More apps by JOSIP MARKOVIC

- [Inscribe: Transcriptions & AI](https://appshunter.io/ios/app/inscribe-transcriptions-and-ai/id6754086711)
- [Castmates: Offline AI Roleplay](https://appshunter.io/ios/app/castmates-offline-ai-roleplay/id6785844694)

All apps by JOSIP MARKOVIC: https://appshunter.io/developer/1807732819

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*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 2026-08-01.*