Onus vs Inkapify

Every dollar you spend while in debt costs more than a dollar. Onus shows you exactly how much. BEFORE YOU BUY Enter a purchase amount and instantly see its true cost. That $200 impulse buy? It might really cost you $300+ when you factor in the interest you'd save by putting that money toward your debt instead. HONEST MATH Onus runs a real month-by-month simulation of your debts. It calculates minimum payments, tracks interest accrual, and shows exactly how much each purchase delays your debt-free date. MULTIPLE DEBTS, ONE VIEW Add all your debts - credit cards, car loans, student loans. Onus considers them all when calculating the true cost of your purchases. THREE PAYOFF STRATEGIES • Avalanche: Target highest interest first (saves the most money) • Snowball: Target smallest balance first (quick wins) • Manual: Set your own priority order PRIVACY FIRST All your data stays on your device. No accounts, no cloud sync, no data collection. Just you and your debt reality check. Onus (Latin for "burden") - because debt is a weight that grows with every purchase.

Take control of your money with Inkapify — The personal finance app built around Inka, your AI-powered finance assistant. Track expenses, manage budgets, monitor net worth, and plan for goals — all in one place. Works completely offline, so your finances are always available even without a connection. INKA AI: Ask Inka anything about your finances in plain language: • "What's my biggest expense this month?" • "Am I on track with my grocery budget?" • "How much did I spend on dining last quarter?" Inka reads your real data and gives personalized answers — not generic advice. • Free: 15 questions/month • Pro: 200 questions/month TRACK EVERY TRANSACTION: • Add expenses, income, and transfers in seconds • Split transactions across multiple categories • Attach receipts to any transaction • Import via CSV or PDF bank statement (AI-powered) • Scan receipts with your camera — AI fills in the details • Multi-currency support with live exchange rates • Soft delete with Trash — restore anything in one tap BUDGETS THAT WORK: • Set budgets by category, subcategory, or group • Monthly, quarterly, or yearly budget periods • Rollover unused budget to next month • Visual progress bars with today marker • Available-to-spend shown prominently • Instant alerts when you're close to your limit 18+ REPORTS & INSIGHTS: • Spending by Category — pie, bar, donut, or line chart • Income vs Expense — monthly net trend • Net Worth — track your financial growth over time • Monthly Summary — income, expense, savings by month • By Tag — spending across custom tags • By Payee — where your money goes per merchant • Budget Performance — actuals vs targets • Credit Card Rewards — cashback and points earned • Subscription Tracker — all recurring charges in one view • Year Over Year — compare your top expenses and income year over year • Compare any report across multiple years side by side (Pro) • Drill down from any chart to the individual transactions behind the numbers (Pro) RECURRING RULES: • Set up any recurring transaction (salary, rent, EMI, subscriptions) • Daily, weekly, biweekly, monthly, quarterly, yearly • Auto-enter transactions on their due date • Upcoming tab shows all future entries for the next 12 months • Confirm or skip individual upcoming entries ACCOUNTS FOR EVERYTHING: • Banking, Cash, Credit Card, Investment, Fixed Deposit • Loans and Mortgages with full amortization schedule • Property accounts with value tracking • Automatic loan EMI breakdown — interest, principal, escrow GOALS & DEBTS: • Set savings goals with target amounts and dates • Track progress with contribution history • Log money lent or borrowed with partial payment tracking • Automatic reminders before debt due dates WORKS OFFLINE — BUILT FOR PRIVACY: • No account required — no sign-up, no login, ever • Your financial data lives only on your device — never uploaded to any server • AI features only send content you explicitly share, and only when you trigger them • Encrypted backup — export and restore as a secure backup file or to iCloud Drive • App Lock with Face ID, Touch ID, and PIN fallback • Hide all amounts with one tap • Export your data anytime as CSV PERSONALISE EVERYTHING: • 10 themes free, 23 with Pro — light, dark, and coloured • Adjustable font size • Configurable dashboard — choose and arrange 13 tile types • Multi-currency with 170+ currencies supported PLANS: Free: track transactions, accounts, and basic reports forever. Pro: unlock PDF import, receipt scanning, advanced Inka AI, advanced reports, and more. Try free. Upgrade when you're ready. Questions? support@inkapify.com Privacy Policy: https://inkapify.com/privacy/ Terms of Use: https://inkapify.com/terms/