Inkapify vs MoneyTurtle

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. 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. 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 20+ 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 any report across years side by side (Pro) • Spending Pace — where this month is heading • Monthly Recap — last month at a glance • Unusual Spending, Fixed vs Flexible, Money Flow (Pro) • Drill down from any chart to its transactions (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 20 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. Questions? support@inkapify.com Privacy Policy: https://inkapify.com/privacy/ Terms of Use: https://inkapify.com/terms/

See where your money goes, what you can spend today, and how your net worth grows. Privately. No account. No ads. No tracking. Everything you enter stays on your iPhone, and optional sync uses your own iCloud. Our App Store privacy label says it plainly: Data Not Collected. KNOW WHAT YOU CAN SPEND TODAY Safe to spend turns this month's income, what you've already spent and your subscriptions into one daily number. Spend less today and tomorrow's number goes up. TRACK EXPENSES IN SECONDS • Log an expense in a few taps, with categories and subcategories you control • See your month at a glance: spent, left, and whether you're on pace • Browse by day or on a calendar that shows your heaviest days • Get a heads-up when a top category runs ahead of its usual pace EVERY SUBSCRIPTION IN ONE PLACE • Monthly and yearly subscriptions with payment dates • Price changes and cancellations, kept month by month • Optionally add them to your expenses on payment day WATCH YOUR NET WORTH GROW • Savings, stocks, crypto, loans and credit cards, month by month • Assets vs. liabilities and your month-over-month change • Turtle Journey: your stage and milestones on the way to financial independence • Projection: see what investing a set amount each month could become PLAN EVERY PAYCHECK Salary flow splits your income across your bank, broker, crypto wallet and mortgage. See it as a flow, a ring or ranked bars, with a monthly rollup into Save, Invest and Debt. UNDERSTAND YOUR HABITS Plain-language insights worked out on your phone, category breakdowns, your biggest expenses, category movers, year-over-year comparisons and spending by day of week. MADE FOR IPHONE AND IPAD • Home Screen widgets for this month's spending and your net worth • Face ID lock • Light and dark mode, plus nine accent colors • Multiple currencies • Export everything to a file whenever you like Free. No ads. Your money, your data, your phone.