UnchainedMoney vs Inkapify

Unchained Money is India's first personalized debt resolution planner. Enter your income, expenses, and loans. Get a personalized month-by-month roadmap showing exactly when you'll be debt-free. FEATURES: - Financial Health Score - Know your current situation instantly - Debt Roadmap - Precise payoff timeline for every loan - Smart Prioritization - Attacks high-interest debt first (Avalanche method) - Floating-Rate Updates - Bank revised your interest rate? Update it and your roadmap adjusts instantly - Emergency Fund Calculation - Safety net built while you repay - Edit Past Months - Paid differently than planned? Correct any past month and your timeline redraws from there - Snowball Effect Visualization - Watch freed-up EMIs accelerate your payoff - Zero Data Sharing - All data stays on your device. Bank-grade encryption. FOR WHO: Perfect for anyone with multiple loans feeling trapped: - Credit card debt - Personal loans - Education loans - Gold loans - Loan against property NO SIGN-UP. NO ADS. NO DATA SHARING. All calculations use standard debt repayment methods (Snowball & Avalanche) taught in financial literacy courses. This is an educational planning tool, not licensed financial advice. A legal disclaimer is included in the app.

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/