BlackBird vs Inkapify

Build better money habits, starting today. BlackBird is the budgeting app that builds real financial habits. Manually track transactions, set savings goals, and monitor your net worth without bank logins. Most budgeting apps automate everything and hand over your data. BlackBird puts you in the driver’s seat. The act of logging your own spending is where financial awareness actually begins. Your data stays on your device. Optional encrypted iCloud backup when you want it. Nothing sent to servers. Nothing sold. Download free. Build the habit. Own your finances. ZERO-BASED BUDGETING Give every dollar a job. Create budgets by category, monitor spending in real time, and let unspent balances roll over each month. Stay in control without the spreadsheet headaches. When you overspend in one category, BlackBird helps you fix it by reallocating from another. Every dollar is accounted for, every month. ALL YOUR ACCOUNTS, ONE PLACE View checking, savings, credit cards, loans, mortgages, assets, and more. See your complete net worth at a glance with historical trend charts that show how your wealth changes over time. Group accounts by type and monitor balances across your entire financial picture. GOALS THAT KEEP YOU MOTIVATED Set savings targets with deadlines, assign accounts to fund them, and watch your progress grow. Whether it's an emergency fund, a vacation, or a down payment, BlackBird keeps you on track. See how much you need to save each month and how close you are to reaching your target. CASH FLOW CLARITY Visualize your income vs. expenses month by month. Understand where your money goes and spot trends before they become problems. Clear bar charts break down your spending so you always know if you're living within your means. TRANSACTIONS MADE SIMPLE Log transactions with categories, notes, and recurring schedules. Swipe to edit or delete. Filter and search to find anything instantly. Set up repeating transactions for bills and subscriptions so nothing slips through the cracks. TRANSFERS BETWEEN ACCOUNTS Move money between your accounts and keep balances accurate without creating phantom income or expenses. Whether you're moving money from checking to savings or making a credit card payment, transfers keep everything in sync. PRIVATE BY DESIGN - All data stored locally on your device - No bank credentials required - No account creation needed - Optional encrypted iCloud backup - Face ID / biometric lock to keep your finances private Unlike other finance apps, BlackBird will never ask you to connect your bank. You enter what you want, when you want. No syncing errors, no broken connections, no third parties with access to your accounts. A clean dark interface with no ads. Just your finances, presented clearly. SUBSCRIPTION DETAILS BlackBird is free to use. Core features like budgeting, tracking, and goals are always free. An optional subscription unlocks data export and backup features, billed monthly or annually. Payment will be charged to your Apple ID account at confirmation of purchase. Subscriptions automatically renew unless canceled at least 24 hours before the end of the current period. You can manage and cancel subscriptions in your Account Settings. Privacy Policy: https://blackbirdplanning.com/privacy Terms of Use: https://blackbirdplanning.com/terms

Take control of your money with Inkapify — The personal finance app built around Inka, your AI-powered finance assistant. Try Pro free for 7 days. 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 (Pro) • By Payee — where your money goes per merchant (Pro) • Budget Performance — actuals vs targets • Credit Card Rewards — cashback and points earned (Pro) • Subscription Tracker — all recurring charges in one view (Pro) • Year Over Year — compare your top expenses and income year over year (Pro) • 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 (Pro) • 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. FREE TRIAL: Eligible new subscribers get 7 days of Pro free. Monthly or annual plans, billed to your Apple ID. Auto-renews unless cancelled at least 24 hours before the trial or period ends. Manage in App Store settings. Questions? support@inkapify.com Privacy Policy: https://inkapify.com/privacy/ Terms of Use: https://inkapify.com/terms/