FinanceToolkitt
Offline Money & Loan Planner
Free · Designed for iPad. Not verified for macOS.
Say "Spent 450 on fuel" and it's logged. Plus Home Loan, SIP, Income Tax, FD, Gratuity and 14 more calculators. Free, offline, no sign-up.
Finance Toolkit puts 19 financial calculators, expense tracking, investments and important documents in one app. No account. No sign-up. No ads.
WHY PEOPLE SWITCH
• No account or sign-up — open the app and start
• Your data stays on your device; iCloud sync is optional and yours to control
• No ads, no trackers, no bank logins
• Works fully offline
VOICE AND SIRI EXPENSE ENTRY
Tap the mic and say "Spent 450 on fuel." The amount, category, description and date are picked up automatically using on-device speech recognition, and you can edit any field before saving. Or skip the app entirely: "Hey Siri, add expense in Finance Toolkit." Long-press the app icon for instant Voice Expense and Add Expense shortcuts.
19 FINANCIAL CALCULATORS
Loans (10): Home, Vehicle, Personal, Education, Business, Gold, Loan Against Property, Agricultural, Credit Line / Overdraft, Consumer Durable
Investments (5): SIP, Mutual Fund lump sum, SWP, Fixed Deposit, Recurring Deposit
Tax and Retirement (4): Income Tax with old vs new regime comparison, NPS, PF, Gratuity
Star your favourites, save any calculation with notes, restore the inputs later, and share or copy results.
AMORTIZATION THAT ACTUALLY HELPS
Month-by-month EMI, principal, interest and balance. Model prepayments, step-up EMIs, a custom higher EMI, or an existing loan you have already been paying. See exactly how many months and how much interest you save. Export as PDF or CSV.
EXPENSE TRACKER
• 27 categories with tags and notes
• Receipt scanner — photograph a bill and the total, merchant and date are extracted and categorised
• Bank statement import — bring in a PDF or CSV statement; transactions are sorted automatically (UPI, NEFT, IMPS, ECS) and the app learns from your corrections
• Pie charts, monthly and yearly views, search and filters
• Multi-select and batch delete
• Export as PDF or CSV
MONTHLY OUTFLOW AND PAYMENT REMINDERS
Track EMIs, rent, subscriptions and bills against your salary to see what's actually left. Set one-time, monthly, quarterly, half-yearly or yearly reminders with a notification 3 days before, 1 day before, or on the due date. Mark as paid in one tap; the next cycle resets itself.
INVESTMENT TRACKER
FD, RD, SIP, mutual funds, stocks, PPF, NPS, gold, real estate, insurance, bonds and your own custom types. See total invested, current value and expected returns with a colour-coded gain or loss, plus maturity alerts. Ongoing investments with no fixed end date are supported.
IMPORTANT DOCUMENTS
Keep policies, ID cards and property papers in the app — PDF, JPG, PNG, HEIC, Word and Excel. Import from Files or capture with the camera. Files are copied into the app's own private storage, with a category breakdown showing what is stored where.
WIDGETS
Six Home Screen and Lock Screen widgets: monthly summary, upcoming payments, quick expense total, top spending categories, outflow total, and a one-tap receipt scan. Tap any widget to jump straight to the right screen.
SECURITY
Face ID, Touch ID, Optic ID or your passcode locks the app once you have data in it, and again after 30 seconds in the background. Screenshots and screen recording are blocked on financial screens, and your content is hidden in the app switcher.
BUILT FOR MORE THAN ONE COUNTRY
11 currencies — INR, USD, EUR, GBP, AED, SAR, CAD, AUD, SGD, JPY, DOP.
9 languages — English, Hindi, Spanish, French, Arabic, Portuguese, German, Chinese and Japanese, switchable instantly inside the app. India-specific tools such as PPF, LIC and PAN appear only when you choose INR.
ALSO INCLUDED
Smart notes with rich text formatting, saved calculations you can restore, iCloud sync across your devices, dark mode, and full data export and import.
Requires iOS 18.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Voice and Siri expense entry.
• Tap the mic in Expenses and just say it — "Spent 450 on fuel", "Paid 1200 for internet bill". Amount, category, description and date are picked up automatically, and you can edit any field before saving.
• Recording now starts the moment you grant permission — no second tap on the mic.
• Re-record in one tap: the previous attempt is cleared cleanly, with no stray error alert.
• "Hey Siri, add expense in Finance Toolkit" — add an expense without opening the app, even if it has been force-quit. Also works with the shorter names Finance, Toolkit, Money and FT.
• Long-press the app icon for Voice Expense and Add Expense shortcuts. Both re-translate when you change the app language.
• Haptic feedback on record, re-record and save.
Fixes and refinements
• Clearer permission states for Microphone and Speech Recognition, with a direct link to Settings that refreshes when you return.
• Date pickers now close on their own after you tap a day.
• Investment start and maturity dates use the shared date picker; moving the start date past maturity now shifts maturity forward instead of collapsing the duration.
• Voice and Siri screens are fully translated across all 9 languages.
Everything is still free, offline, and works without an account.
The developer, Ashok Arbad, 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 Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Ashok Arbad
- Size
- 7.1 MB
- Category
- Finance
- Compatibility
Requires iOS 18.0 or later.
- iPhone
Requires iOS 18.0 or later. - iPad
Requires iPadOS 18.0 or later. - Mac
Requires macOS 15.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 2.0 or later.
- iPhone
- Languages
English and 8 more
- English, Arabic, French, German, Hindi, Japanese, Portuguese, Simplified Chinese, Spanish
- Age Rating
4+
- 4+
- Copyright
- © 2025 Ashok Arbad
