# Kârinca: Budget & Debt Tracker — Track expenses, loans & bills

> Track expenses, loans & bills (iPhone/iPad app by NECIP FAZIL AKAY.)

- Source: https://appshunter.io/ios/app/karinca-budget-and-debt-tracker/id6779276152 (this page in markdown: same URL + `.md`)
- Developer: [NECIP FAZIL AKAY](https://appshunter.io/developer/1850275046)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 16.4 · 64 MB
- Languages: American English
- Released: 2026-07-13
- Data updated: 2026-08-30
- User reviews in markdown: https://appshunter.io/ios/app/karinca-budget-and-debt-tracker/id6779276152/reviews.md

## What is Kârinca?

Profant: Smart Financial Tracking & Budget Management

Taking control of your financial life, managing your debts, and planning your expenses smartly is now much easier. Inspired by the diligence and savings philosophy of an ant, Kârınca is a completely user-centric personal finance assistant. Track where your money goes second by second, uncover hidden interest costs, and get out of debt by managing your budget efficiently with AI-powered analysis.

Key Features:

Current Payment Methods Management
Define the payment methods you use in your daily life, such as credit cards, debit cards, or cash. By adding the interest rates of your credit cards, you can see the real costs you will face in your future expenses in advance.

My Daily Expenses
Log the instant expenses you make during the day in seconds. Select which payment method you used for your expense. If you used a method with an interest rate (like a credit card), Kârınca automatically calculates the extra interest burden that will be reflected in this expense.

Smart Debt Tracking and Exchange Rate Loss Calculation
Gather all your liabilities, from personal loans to gold debts, on a single screen. Track your monthly installments by entering the loan amount, interest rate, maturity, and payment days into the system. Moreover, thanks to market integration, instantly view the difference between the initial value of your gold or foreign currency debts and their current market value, calculating your potential exchange rate loss.

Regular Payments and Subscriptions
Add your recurring monthly expenses like rent, bills, and digital platform subscriptions (Netflix, Spotify, etc.) once, and avoid surprises when the payment day arrives. Create a complete map of your fixed monthly expenses.

Income Management
Process the income you earn from your salary, rent returns, or other sources into the system to clearly see the total financial power in your safe.

Comprehensive Dashboard
Analyze your net status on this screen where all your financial data interact with each other. See your "Real Usable Balance" remaining when your upcoming regular payments and monthly debt installments are deducted from your total income. Track your upcoming payments at a single glance with budget health charts.

AI-Powered Finance Assistant
Chat with your integrated AI assistant that works based on the data you enter. Your assistant analyzes your spending habits, offers personalized strategies to pay off your debts faster, and identifies areas where you can save money.

Smart Guidance (Onboarding)
You will never get lost with the guide screens that welcome you in every tab and explain how to use that section from the very first moment you start using the app. You can access these information screens again with a single click whenever you need them.

Kârınca is not just a tool where you enter your financial data; it is a companion that processes and calculates your data, aiming to bring you to your financial freedom. Download Kârınca now to manage your budget effortlessly and start saving today!

our privacy policy: https://karinca.store/policies/privacy-policy
terms: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
contact: destekkarinca@gmail.com

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Monthly Premium | $3.99 | per month |
| Annual Premium | $39.99 | per year |



## Version history (last 5 releases)

### 1.0.4 — 2026-08-21

Some known issues have been resolved
Visual updates have been made
Financial data has been made more reliable.
Financial data can now be stored in the cloud.

### 1.0.3 — 2026-08-10

some known issues fixed
visual updates
financial data more smooth

### 1.0.2 — 2026-07-27

- App Tour added, you can follow the instructions for better experience
- AI Finance Analyses made more consistent
- Known errors corrected
- Visual adjustments made
- Errors fixed

### 1.0.1 — 2026-07-24

- Known errors corrected
- Visual adjustments made
- Analyses made more consistent
- Errors fixed

### 1.0.0 — 2026-07-13

No release notes.

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All apps by NECIP FAZIL AKAY: https://appshunter.io/developer/1850275046

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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 2026-08-30.*