Inkapify vs SpendZy

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/

SpendZy is your all-in-one personal finance companion — track expenses and income, manage money you lend or owe, hit savings goals, and even run chitti groups. AUTO-TRACK FROM BANK MESSAGES Set up a Shortcut once and SpendZy can automatically log expenses and income from your bank SMS and UPI notifications. No manual entry for every transaction. EXPENSE & INCOME TRACKING • Log spending and income with categories and notes • See daily, weekly, and monthly summaries • Search and filter your full history • Home screen widget for quick add LEND & OWE • Track money you lent or borrowed • Set due dates and get reminders • Organize contacts into folders • Record partial payments and settlements SAVINGS GOALS • Create goals with targets and deadlines • Track progress at a glance • Stay motivated with visual progress CHITTI MANAGEMENT • Manage fixed or variable chitti schemes • Track members and monthly payments • See who has paid and what’s outstanding MORE YOU’LL LOVE • Multi-currency support • Local backup and restore • Google Drive backup (Premium) • Dark mode and multiple languages • Daily expense summary notifications SPENDZY PREMIUM • Auto-track from bank messages • Due date reminders • Unlimited lend/owe folders • Unlimited savings goals • Google Drive backup & restore Take control of your money — from everyday spending to loans, savings, and chitti — all in one clean, simple app.