Knot - Finance

Knot is an all-in-one personal finance system and wealth tracker engineered to give you complete visibility over your financial life. Built with a privacy-first, on-device architecture, Knot ensures your sensitive financial records stay entirely on your device with biometric Face ID security. KEY FEATURES Smart Budgeting and Daily Safe-to-Spend - Master your cash flow with the proven 50/30/20 rule (Needs, Wants, and Savings). - Real-time daily Safe-to-Spend calculator prevents month-end surprises. - Visual category spending limits and real-time budget health indicators. Automated Expense Tracking - Log payments instantly using iOS Shortcuts and Siri automations. - Automated bank SMS and payment text parsing for UPI and bank debits. - Smart Inbox lets you review, categorize, and approve transactions in seconds. Debt Payoff Engine - Eliminate credit cards and loans faster with Debt Snowball and Debt Avalanche algorithms. - See your exact debt-free date and total interest saved. - Interactive payment accelerator slider shows the impact of extra monthly contributions. Shared Bills and Expense Splitting - Split dinners, rent, utilities, and trip expenses with friends and roommates. - Track individual balances and settle IOUs with a single tap. - Clear breakdown of who owes what without requiring others to download the app. Subscription and Recurring Bill Monitor - Keep track of all active recurring subscriptions in one centralized hub. - Timely renewal reminders prevent unexpected recurring charges. - Clear annual and monthly cost projections. Freelancer Invoicing and PDF Generation - Create professional itemized invoices with client details, tax, and discounts. - Generate and export clean vector PDF invoices directly via AirDrop, Mail, or Files. - Track paid, sent, and overdue statuses. Asset and Warranty Locker - Store receipts, serial numbers, warranty expiry dates, and policy contacts. - Expiration radar alerts you before product warranties or return windows close. Net Worth and Portfolio Tracking - Monitor total assets, liabilities, and liquid reserves. - Paycheck distribution planner and comprehensive financial health scorecards. PRIVACY BY DESIGN - 100% On-Device: Your balances, transactions, and account details never leave your phone. - No third-party servers, no account registration, and no tracking. - Protected by biometric Face ID and Touch ID.