Kapitech
Kapitech
Kapitech keeps your budget, your expenses and your debts in one app, and shows you when you'll be debt-free with the snowball or avalanche method. No bank login, no account, and your data stays on your device.
Everything you need to budget and pay off debt in one app, without connecting your bank.
Add your credit cards and loans with their balance, interest rate and minimum payment. Kapitech builds a payoff plan with the snowball or avalanche method, or your own order, and shows your debt-free date and the interest you'll pay.
Want to try your numbers first? Use the free debt payoff calculator in your browser.
Easily log and categorize your daily expenses to stay on top of your spending habits. Create custom categories with personalized icons and organize transactions your way.
Create and customize budgets for different expense categories to control your spending. Get real-time notifications as you approach budget limits.
Set monthly, weekly, or custom period budgets and visualize your spending against your budget with intuitive charts.
Set and track progress towards your financial goals, from saving for a dream vacation to building an emergency fund. Visualize your progress with beautiful charts.
Break down big goals into manageable milestones and celebrate your achievements as you reach each target.
Get deep insights into your spending patterns with visual charts and detailed analytics. Identify spending trends and find opportunities to save.
Create your own expense categories with customized icons and colors to match your unique spending habits and financial needs.
Export your financial data in CSV, JSON or PDF format for advanced analysis or record-keeping. Integrate with your preferred spreadsheet software.
See how Kapitech makes managing your finances a pleasant experience with its clean, user-friendly interface.
Kapitech is free to download. Upgrade to Pro when you want the limits gone.
$3.99 a month
or $19.99 a year, or $29.99 once for lifetime
Monthly and annual plans renew automatically until you cancel. Lifetime is paid once.
Had Kapitech before the free version came out? You keep full access and don't need to buy anything.
Yes. Add your debts with their balance, interest rate and minimum payment, then pick snowball (smallest balance first), avalanche (highest interest first) or your own order. Kapitech shows your debt-free date and total interest, and the free version handles up to 3 debts. The snowball vs avalanche guide explains which one to pick.
If you want a budget app that doesn't link your bank, it's close. You set budgets per category, log expenses by hand and track debts with a snowball or avalanche plan in the same app. It isn't zero-based budgeting where every dollar gets a job, so if that method is what you love about YNAB, Kapitech will feel different.
Currently, Kapitech is only available for iOS devices. We're focusing on creating the best possible experience for iPhone and iPad users. An Android version is on our roadmap for future development.
Yes. Your amounts, names and notes stay on your device, not on our servers, and there's no account to create. The app sends anonymous usage events and crash reports so we can fix problems, and those never include amounts, names or notes. The privacy policy lists exactly what goes where.
The free version includes unlimited expenses, 1 budget, 1 financial goal and 3 debts. Kapitech Pro removes those limits and adds data export. Pro comes as a monthly plan for $3.99, an annual plan for $19.99 or a lifetime plan for $29.99.
Yes, Pro users can export their financial data in CSV, JSON or PDF format for advanced analysis or record-keeping. This makes it easy to use your data in spreadsheet applications or to share reports with financial advisors.
Kapitech stands out with its focus on privacy (all data stays on your device), intuitive interface, and comprehensive feature set. Unlike many competitors, we don't require account creation, we don't store your data on our servers, and we offer flexible customization options for categories and budgets.
While Kapitech doesn't sync data through our servers (to maintain your privacy), you can use Apple's iCloud Backup to transfer your data to a new device. This ensures your financial information remains private while allowing you to upgrade your device without losing data.
No. Kapitech is a budget app without bank login: it never asks for your bank credentials and doesn't use Plaid or any bank sync. You enter expenses yourself, which takes a few seconds each and means you actually see where the money goes.
We release updates approximately once a month with new features, improvements, and bug fixes. We're constantly working to enhance the app based on user feedback and technological advancements.
Kapitech is free to download. Add your debts, set a budget and see your debt-free date in a few minutes, no bank login needed.
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