Kinshi: AI Personal CFO
Daily brief & budget tracker
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
Most finance apps wait for you to come to them. Kinshi works the other way.
Every morning at 7am, you wake up to a one-line money brief: what you spent, what's coming, what to cancel, what looks weird.
Tap the notification, get the full picture, ask follow-up questions.
You don't open an app to check on your money. Your money checks in with you.
Works with 12,000+ banks via Plaid. Bank-grade encryption. We never see your bank login.
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WHAT KINSHI WATCHES FOR
• DAILY BRIEF: A 7am push: "$83.90 spent yesterday. Biggest: $54 Whole Foods. 80% through grocery budget."
• ANOMALY ALERTS: "Spotify charged twice — $9.99 on Apr 14 and again today. Tap to see both charges."
• SUBSCRIPTION CHANGES: When a recurring charge goes up, you hear about it. Includes the ones you forgot you had.
• WEEKLY HEALTH CHECK: Monday recap - where you came in vs. last week, what drove it.
• SAFE TO SPEND: A real number that subtracts upcoming bills and your savings target. No more guessing.
• CASH FLOW FORECAST: 30 days ahead. Warns you if you're about to overdraft.
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CHAT-FIRST, NOT DASHBOARD-FIRST
Every alert opens a conversation. Ask follow-ups. "Why is my dining up?" "Can I afford a $400 flight?" "What did I spend on coffee last month?" Kinshi pulls real numbers from your accounts and answers in plain English with charts you can save to Insights.
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PRIVACY, IN ENGLISH
• We never see your bank login. Plaid handles every connection, read-only.
• We never sell your data. Subscription is the only revenue. Always will be.
• Bank-grade encryption (AES-256 at rest, TLS 1.2+ in transit).
• Export or delete everything in one tap. No "lock-in" gimmicks.
Read the full policy in plain English at kinshi.app/privacy.
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PRICING
• Yearly: $49.99/yr (about $4/mo billed yearly) with a 7-day free trial
• Monthly: $9.99/mo with a 48-hour free trial
Cancel anytime in Settings. Your data is yours either way.
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WHO THIS IS FOR
People who already use a couple of credit cards, have one or two recurring subscriptions they're not sure about, and want a real signal when something changes — not another dashboard to check.
If you'd rather have an app that pages you when there's something to know than one you have to remember to open, Kinshi is built for you. That's the whole product.
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QUESTIONS?
Email hello@kinshi.app — the founder reads every message and replies within one business day.
Privacy Policy: https://kinshi.app/privacy
Terms of Use: https://kinshi.app/terms
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
- More accurate answers for category and date-specific spending questions
- Transaction charts and activity lists now stay focused on what you asked
- Improved progress updates while Kinshi analyzes your finances
- Follow-up suggestions now scroll naturally with your conversation
- General reliability and performance improvements throughout the app
The developer, 10xDev Systems, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- User Content
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Financial Info
- Contact Info
- User Content
- Identifiers
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- 10xDev Systems
- Size
- 49.7 MB
- Category
- Finance
- Compatibility
Requires iOS 15.1 or later.
- iPhone
Requires iOS 15.1 or later. - iPad
Requires iPadOS 15.1 or later. - iPod touch
Requires iOS 15.1 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Kinshi Premium Yearly $6.99
- Kinshi Premium Monthly $6.99
- Copyright
- © 2026 Kinshi
