v3.0 9 Languages · Face ID Lock · New

Your money,
organised.
Privately.

An all-in-one personal finance app for iOS. 19 calculators, voice expense entry with Siri, AI receipt scanner, bank statement import, investment tracker, document vault, and 6 widgets — all on your device. Now in 9 languages with Face ID / Touch ID lock. No account. No subscription. No ads.

19
Calculators
9
Languages
11
Currencies
Receipt scanned
₹1,247 · Food
SIP +12.4%
Mutual Fund
good evening,
Ashok
Spent this month
42,180
7
Categories
EMI · Home Loan15 OCT
LIC Premium22 OCT
Electricity28 OCT
The Promise

Built like a tool, not a product.
You own your data. Always.

— 01

Free, forever

No subscriptions. No in-app purchases. No paywalls. No ads. No sponsored content. Every feature, free from day one.

— 02

100% offline

No account. No sign-up. No data collection. Everything lives on your device. iCloud sync is opt-in and end-to-end.

— 03

One app, everything

Calculators, expense tracking, investments, documents, widgets — replace half-a-dozen apps with one focused tool.

Calculators 19 total

Every number you'll ever need.
On the device you already carry.

From home loan EMIs to retirement planning. Each calculator supports favourites, save & restore with notes, copy & share, and works across all 11 currencies. Loans include full amortization with prepayments, step-up rates, and PDF/CSV export.

— I
Loans amortization · prepayment · step-up
10 calculators
  • 01 Home Loan EMI and amortization with prepayment analysis
  • 02 Vehicle Loan Car and bike financing with down payment and RTO charges
  • 03 Personal Loan Unsecured loan calculations with interest breakdown
  • 04 Education Loan Moratorium and study period support with grace handling
  • 05 Business Loan MSME and working capital with collateral tracking
  • 06 Gold Loan Pledged ornaments with LTV ratios — EMI vs bullet mode
  • 07 Loan Against Property Collateral-backed financing with property type selection
  • 08 Agricultural Loan Crop cycle and seasonal moratorium support
  • 09 Credit Line / Overdraft Revolving credit with utilization tracking
  • 10 Consumer Durable Electronics EMI and no-cost EMI comparison
— II
Investments CAGR · compounding · projections
5 calculators
  • 11 SIP Plan Systematic Investment Plan with monthly contribution planning
  • 12 Mutual Fund (Lump Sum) One-time investment with CAGR returns
  • 13 SWP Plan Systematic Withdrawal with sustainable rate analysis
  • 14 Fixed Deposit Maturity calculations with configurable compounding
  • 15 Recurring Deposit Monthly contributions with compounding
— III
Tax & Retirement old vs new · 80C · annuity
4 calculators
  • 16 Income Tax Old vs New regime comparison with HRA, 80C / 80D deductions
  • 17 NPS — Pension National Pension Scheme with annuity and lump-sum options
  • 18 PF — Provident Fund Employer and employee contributions with interest
  • 19 Gratuity Retirement benefit calculated by service years
Star & search
Favourite for quick access. Search in list or grid view.
Save & restore
Bookmark any calculation with notes. Restore inputs later.
Copy & share
Results to clipboard or via system share sheet.
Multi-currency
All calculations across any of the 12 supported currencies.
Track everything

A finance tracker that remembers so you don't have to.

Expenses across 27 categories. Investments with growth charts. Documents in a secure vault. Recurring bills and payments. All in one place — and all on your device.

— New in v2.1

Investment Tracker

Monitor every investment in one place — FD, RD, SIP, Mutual Funds, Stocks, PPF, NPS, Gold, Real Estate, and more. With a donut breakdown showing invested vs returns at the centre.

+18.4%
Growth
Invested₹4,80,000
Returns₹88,320
Est. Value₹5,68,320
  • Accurate total — recurring (RD/SIP) = months × amount
  • Ongoing badge for PPF, NPS, SIP with no end date
  • Maturity alerts — 90-day window
  • Custom types, nominee, notes, PDF/CSV export
— New in v2.1

Important Documents

A secure vault for the papers that matter. Import from Files or capture with the camera. Custom categories get their own colour-matched filter chips, storage rows, and dedicated entries.

LIC Policy Term Insurance Health Insurance Vehicle Insurance Passport PAN Card Aadhaar Property + Custom
  • Storage by Category breakdown with progress bars
  • Save all documents to Files in one tap
  • Multi-select, batch delete, edit metadata

Expense tracking

27 categories, custom tags & notes, pie charts, monthly & yearly views. Filter by date, category, or keyword.

  • 27 expense categories
  • Multi-select & batch delete
  • PDF / CSV export

Monthly outflow

Track EMIs, subscriptions, rent, and recurring bills. Per-month salary view with remaining balance.

  • Bar chart with category breakdown
  • Yearly projections
  • Quick Add templates

Payment reminders

Never miss LIC, rent, subscriptions, or maintenance. Push notifications at 9 AM — Same Day, 1 Day Before, or 3 Days Before.

  • 5 recurrence types
  • Dashboard countdown badges
  • Swipe to save as investment
Smart capture

The boring part, automated.

Speak, snap, or import — the app handles the categorising. Voice entry, receipt scanning, bank statement import, and Siri shortcut. On-device. No cloud.

Voice Expense Assistant

Speak it. Done.

Tap the microphone and say what you spent. Amount, category, description, and date are extracted automatically using on-device Speech Recognition — no typing required.

  • Natural phrases: "Spent 450 on fuel", "Paid 1200 for internet bill", "Rent 15000 yesterday"
  • 25+ keyword groups map to existing expense categories
  • Editable preview — tap any field to adjust before saving
  • Re-record with one tap to start fresh
  • Live permission state with Settings deep-link if access is denied
Hey Siri · Quick Actions

Add an expense without opening the app.

Say "Hey Siri, add expense in Finance Toolkit" and speak naturally — the expense saves silently in the background, even when the app is force-quit. Or long-press the icon for instant shortcuts.

  • Siri shortcut works with short names: Finance, Toolkit, Money, FT
  • Headless AppIntent — no app launch needed, saves in background
  • Home Screen Quick Actions: Voice Expense and Add Expense
  • Works even when app is force-quit from recents
Receipt Scanner

Snap. Done. Categorised.

Photograph a bill or pick from library. OCR extracts the total, merchant, and date — then auto-sorts into 27 categories.

  • Smart total extraction with keyword detection (total, amount due, grand total) and last-match strategy for multi-total receipts
  • OCR misread correction — strips stray characters when ₹ is read as 7, 2, etc.
  • Phone number and GST filtering to avoid false amount detection
  • 11 currency symbols supported
Bank Statement Import

Months of expenses, in seconds.

Import a PDF or CSV bank statement. UPI, NEFT, IMPS, ECS — every transaction auto-categorised, ready to select and add.

  • AI category engine with 300+ keywords across 27 categories
  • Learns from your corrections — category memory improves with use
  • PDF parsing via on-device PDFKit, never sent to a server
  • Select what to import, skip what you don't
Six widgets

Glance, don't unlock.

Home Screen and Lock Screen widgets put the numbers that matter right where you'll see them. Tap any widget to deep-link straight to its page.

October
42,180
of ₹60,000 salary
Remaining₹17,820
Small · Medium

Monthly Summary

Expense and outflow totals, top categories, savings progress bar.

Upcoming Payments
EMI · Home Loan 3 DAYS
LIC Premium 8 DAYS
Electricity Bill 12 DAYS
Medium · Large

Upcoming Payments

Next-due payments with countdown badges and recurrence indicators.

This Month
42,180
FOOD & DINING
Small · Lock Screen

Quick Expense

Current month total with top spending category at a glance.

Top 5 Categories
Food
Rent
Bills
Travel
Other
Medium

Spending Categories

Top 5 categories with proportion bars and amounts.

Lock Screen
38k
Outflow
Lock Screen

Monthly Outflow

Total recurring outflow visible from the Lock Screen.

Tap to scan a receipt
Camera opens OCR runs Expense added
Quick action
Small · Lock Screen · Quick action

Scan Receipt

Tap the widget — camera opens. OCR runs. Expense added. From Lock Screen, in three seconds.

Privacy by default

Your data never leaves your device.

No account. No telemetry. No analytics. iCloud sync is opt-in and uses Apple's end-to-end Key-Value Store. Even screenshots and screen recording of sensitive screens are blocked automatically.

Face ID app lock

Full biometric gate at launch with passcode fallback

Screen protection

Screenshots blocked on financial screens

Privacy screen

Content auto-hides in app switcher

Full export

JSON backup, merge or replace

Eleven currencies

Every calculation in any currency you need.

One tap to switch. All 19 calculators, expense tracking, investments, and exports adapt to your selected currency. Supports INR, USD, EUR, GBP, AED, SAR, CAD, AUD, SGD, JPY, and DOP. Built-in formatters handle each region's conventions.

INR Indian Rupee
$ USD US Dollar
EUR Euro
£ GBP British Pound
د.إ AED UAE Dirham
SAR Saudi Riyal
$ CAD Canadian Dollar
$ AUD Australian Dollar
$ SGD Singapore Dollar
¥ JPY Japanese Yen
RD$ DOP Dominican Peso
English en English
हिन्दी hi Hindi
Español es Spanish
Français fr French
العربية ar Arabic · RTL
Português pt-BR Portuguese
Deutsch de German
中文 zh-Hans Chinese (Simplified)
日本語 ja Japanese
System Default Follows your device language automatically
Nine languages

Your finances, in your language.

Switch language instantly from Settings — every screen, date, and label rebuilds in real time without restarting the app. Full UI coverage across all 1,044+ strings. Supports Arabic right-to-left layout. Set to System Default to follow your device automatically.

Replace five apps
with one.

It's free. It's offline. It works. Try Finance Toolkit today.

Download on the App Store
iOS 18.0+  ·  iPhone & iPad  ·  No account needed