Yoki: Money Coach & Planner
Financial Health & Debt Payoff
Only for iPhone
Free · In‑App Purchases
iPhone
Turn financial stress into clear action. Start your free trial to unlock your personalized Financial Health Report and crush your debt with a step-by-step roadmap.
Are you tired of feeling anxious about money? Do you know exactly when your debt will be paid off, or how many days your emergency savings will actually last?
Budget trackers just act as scoreboards, they tell you what you spent, leaving you to figure out what to do next. Yoki is different. We act as your dynamic AI financial coach, guiding you day-by-day to crush debt, build wealth, and achieve financial zen.
Start with a comprehensive diagnosis of your financial health, then seamlessly transition into a personalized action plan that adapts as your life changes.
WHAT YOKI DOES FOR YOU:
- The Daily Playbook: Stop guessing what to do next. Your Action Hub gives you 1-3 highly specific, bite-sized financial tasks every day to keep you moving forward.
- Interactive Net Worth Tracker: Keep all your assets and liabilities in one place. Update your balances and instantly watch your projections and routines adapt to your new reality.
- Dynamic Goal Routines: Whether you are in the "Debt Crusher" phase or the "Stability Builder" phase, Yoki breaks massive financial goals into an achievable, step-by-step roadmap.
- Gamified Progress: Stay motivated during long journeys (like debt payoff) with visual timelines, task streaks, and unlockable achievement badges. Celebrate every dollar saved and debt slashed!
- Deep Financial Insights: Get a clear, objective Health Score (0-100), discover your exact "Emergency Runway" in days, and find the fastest way to pay off your debt.
WHO IS YOKI FOR?
- The Debt Crusher: You are stuck in the credit card minimum payment loop and need a clear, gamified way out.
- The Paycheck Survivor: You constantly run out of money before your next payday and want to build a buffer step-by-step.
- The Foundation Builder: You want to save for a major life goal but don't know how to optimize your cash.
- The Wealth Optimizer: You have cash, but want a dynamic system to track your net worth and ensure your setup is highly efficient.
Your journey to financial zen starts with clarity and action. Download Yoki today and finally take control of your money.
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Introducing Financial Simulators in the Action Hub - interactive financial forecasting tools designed to help you make smarter money decisions in seconds:
1. Debt Payoff Simulator: Compare the Avalanche vs. Snowball payoff methods side-by-side. See your exact debt-free date, interest saved, and how extra monthly payments accelerate your financial freedom.
2. Found Money Allocator: Received a tax refund, bonus, or unexpected windfall? Automatically balance the optimal split between debt payoff, emergency savings, investments, and guilt-free spending based on your financial stage.
3. Can I Afford This? Test upcoming purchases before you buy. See the real impact on your cash flow, emergency runway, and how many hours of work it takes to pay for it.
The developer, Vadim Mikhnevich, 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 Not Linked to You
The following data may be collected but it is not linked to your identity:
- Purchases
- Financial Info
- Identifiers
- Usage Data
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Vadim Mikhnevich
- Size
- 23.5 MB
- Category
- Finance
- Compatibility
Requires iOS 18.6 or later.
- iPhone
Requires iOS 18.6 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Yoki Premium $19.99
- Yoki Premium $2.99
- YOR Premium $6.99
- YOR Premium $6.99
- Friends Yearly $0.99
- Friends Monthly $0.99
- Copyright
- © 2026 Vadim Mikhnevich
