# Kinshi: AI Personal CFO — Daily brief & budget tracker

> Daily brief & budget tracker (iPhone/iPad app by 10xDev Systems.)

- Source: https://appshunter.io/ios/app/kinshi-ai-personal-cfo/id6757509171 (this page in markdown: same URL + `.md`)
- Developer: [10xDev Systems](https://appshunter.io/developer/1565896604)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.1 · 47 MB
- Languages: American English
- Released: 2026-02-06
- Data updated: 2026-08-06
- User reviews in markdown: https://appshunter.io/ios/app/kinshi-ai-personal-cfo/id6757509171/reviews.md

## What is Kinshi?

Most finance apps wait for you to come to them. Kinshi works the other way. 
Every morning at 7am, you wake up to a one-line money brief: what you spent, what's coming, what to cancel, what looks weird. 
Tap the notification, get the full picture, ask follow-up questions.

You don't open an app to check on your money. Your money checks in with you.

Works with 12,000+ banks via Plaid. Bank-grade encryption. We never see your bank login.

———

WHAT KINSHI WATCHES FOR

• DAILY BRIEF: A 7am push: "$83.90 spent yesterday. Biggest: $54 Whole Foods. 80% through grocery budget."
• ANOMALY ALERTS:  "Spotify charged twice — $9.99 on Apr 14 and again today. Tap to see both charges."
• SUBSCRIPTION CHANGES:  When a recurring charge goes up, you hear about it. Includes the ones you forgot you had.
• WEEKLY HEALTH CHECK:  Monday recap - where you came in vs. last week, what drove it.
• SAFE TO SPEND: A real number that subtracts upcoming bills and your savings target. No more guessing.
• CASH FLOW FORECAST:  30 days ahead. Warns you if you're about to overdraft.

———
CHAT-FIRST, NOT DASHBOARD-FIRST

Every alert opens a conversation. Ask follow-ups. "Why is my dining up?" "Can I afford a $400 flight?" "What did I spend on coffee last month?" Kinshi pulls real numbers from your accounts and answers in plain English with charts you can save to Insights.

———

PRIVACY, IN ENGLISH
• We never see your bank login. Plaid handles every connection, read-only.
• We never sell your data. Subscription is the only revenue. Always will be.
• Bank-grade encryption (AES-256 at rest, TLS 1.2+ in transit).
• Export or delete everything in one tap. No "lock-in" gimmicks.

Read the full policy in plain English at kinshi.app/privacy.

———

PRICING

• Yearly: $49.99/yr (about $4/mo billed yearly) with a 7-day free trial
• Monthly: $9.99/mo with a 48-hour free trial

Cancel anytime in Settings. Your data is yours either way.

———

WHO THIS IS FOR

People who already use a couple of credit cards, have one or two recurring subscriptions they're not sure about, and want a real signal when something changes — not another dashboard to check.

If you'd rather have an app that pages you when there's something to know than one you have to remember to open, Kinshi is built for you. That's the whole product.

———

QUESTIONS?

Email hello@kinshi.app — the founder reads every message and replies within one business day.

Privacy Policy: https://kinshi.app/privacy
Terms of Use: https://kinshi.app/terms

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Kinshi Premium Monthly | $6.99 | per month |
| Kinshi Premium Yearly | $6.99 | per year |



## Version history (last 5 releases)

### 1.2.1 — 2026-07-31

- More accurate answers for category and date-specific spending questions
- Transaction charts and activity lists now stay focused on what you asked
- Improved progress updates while Kinshi analyzes your finances
- Follow-up suggestions now scroll naturally with your conversation
- General reliability and performance improvements throughout the app

### 1.2.0 — 2026-04-21

• FACE ID LOCK: Require Face ID or Touch ID to unlock Kinshi after 5 minutes away. Enable in Settings → Security.
• Small polish and bug fixes.

### 1.1.0 — 2026-04-20

v1.1.0 — Kinshi catches what your bank misses

• ANOMALY ALERTS: Caught a duplicate Spotify charge in our test data. We catch them in yours too. Plus subscription price bumps and weird new merchants.
• DAILY BRIEF: A 7am push tells you what you spent, what's coming, what to cancel.
• CONVERSATION INBOX: Every alert is a chat thread you can ask follow-up questions in.
• ASK IN ENGLISH: "Why is my dining up?" "Can I afford $400?" Get real numbers and charts back, not a dashboard to navigate.
• SAFE TO SPEND: A real number, not a guess. Subtracts upcoming bills and your savings goal.
• CASH FLOW FORECAST: 30 days out, with overdraft warnings.
• REBRANDED: New warm-cream + champagne-gold look across the app and the website.

### 1.0.9 — 2026-04-16

What's New in This Version
- Bank Statement Upload: Upload a PDF or CSV bank statement and Kinshi will automatically parse your transactions and generate your financial snapshot — no bank link needed.
- Smarter Onboarding: Our chat-based setup now includes real-time AI analysis as your data syncs, so you see insights before you even reach the dashboard.
- Brand Refresh: Updated icons, colors, and visual design for a more refined look.
- Bug Fixes & Improvements

### 1.0.8 — 2026-03-14

• Improved onboarding experience
• Bug fixes and performance improvements

## Apps similar to Kinshi

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Scotia Insurance](https://appshunter.io/ios/app/scotia-insurance/id6467431386) | 4.7 (40) | Free | Finance |
| [52 Week Money Saving Challenge](https://appshunter.io/ios/app/52-week-money-saving-challenge/id1422523462) | 4.8 (2,347) | Free | Finance |
| [Ark7: Real Estate Investing](https://appshunter.io/ios/app/ark7-real-estate-investing/id1565766372) | 4.7 (1,337) | Free | Finance |
| [My Car - Vehicle Manager](https://appshunter.io/ios/app/my-car-vehicle-manager/id1165749302) | 4.7 (1,133) | Free | Finance |
| [Debt Tracker - Debts Manager](https://appshunter.io/ios/app/debt-tracker-debts-manager/id1507396142) | 4.5 (104) | Free | Finance |
| [SimplyBudget AI](https://appshunter.io/ios/app/simplybudget-ai/id6739737478) | — | Free | Finance |

## More apps by 10xDev Systems

- [Delivry](https://appshunter.io/ios/app/delivry/id1602610534)
- [Flowe: AI for Mental Wellness](https://appshunter.io/ios/app/flowe-ai-for-mental-wellness/id6759135246)
- [NeuraMesh: AI Dev Team](https://appshunter.io/ios/app/neuramesh-ai-dev-team/id6787487455)

All apps by 10xDev Systems: https://appshunter.io/developer/1565896604

---

*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 2026-08-06.*