Inkapify vs MoneyTurtle

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/

The private way to know exactly where your money goes. MoneyTurtle is a simple, beautiful expense tracker and net-worth companion built around one principle: your financial data belongs to you — and only you. PRIVACY FIRST — YOUR DATA NEVER LEAVES YOUR SPACE Unlike most finance apps, MoneyTurtle has no servers, no accounts on our side, and no data collection. Everything you enter stays on your iPhone. If you turn on sync, it goes through your own personal iCloud account — encrypted, in your private space, invisible to us and to anyone else. We couldn't see your data even if we wanted to. There is nothing to sell, leak, or analyze. TRACK YOUR SPENDING, EFFORTLESSLY Add an expense in seconds. See what you spent this month, what came in, and what's left — at a glance. Browse your history by day or on a monthly calendar, and organize everything with fully customizable categories and subcategories. WATCH YOUR WEALTH GROW Log your savings, investments, crypto, and loans month by month, and MoneyTurtle turns them into a clear net-worth picture over time. Charts show your progress, not just your spending. UNDERSTAND YOUR HABITS Analytics break down where your money goes by category and over time, so patterns show up before they become problems. MADE FOR IPHONE • Home Screen widgets keep your month at a glance • Lock the app behind Face ID • Light and dark appearance • Multiple currencies • Export your data anytime — it's yours, take it anywhere • Optional iCloud sync across your devices, using your account, your space No subscriptions to your data. No tracking. No ads. Just you and your money.