# Knot - Finance

> Knot - Finance (iPhone/iPad app by Muhammed Nihal C.)

- Source: https://appshunter.io/ios/app/knot-finance/id6817096002 (this page in markdown: same URL + `.md`)
- Developer: [Muhammed Nihal C](https://appshunter.io/developer/6809677348)
- Category: Finance, Productivity
- Price: Free
- Age rating: 4+
- Requires: iOS 17.0 · 6 MB
- Languages: American English
- Released: 2026-10-24
- Data updated: 2026-10-29

## What is Knot?

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.

## Is Knot safe?

Not enough ratings yet to assess Knot.

## Is Knot legit?

Knot - Finance has limited verification signals. The AppsHunter Legitimacy Score for Knot is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 1 release)

### 1.0 — 2026-10-24

No release notes.

## More apps by Muhammed Nihal C

- [Hoxai IGM Pro](https://appshunter.io/ios/app/hoxai-igm-pro/id6809721687)
- [Chess Mastery](https://appshunter.io/ios/app/chess-mastery/id6809769032)

All apps by Muhammed Nihal C: https://appshunter.io/developer/6809677348

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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 2026-10-29.*