Kârinca: Budget & Debt Tracker
Track expenses, loans & bills
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
Your hardworking financial companion! Track daily expenses, loans, and subscriptions; keep your budget under control with smart advice from your AI assistant.
Profant: Smart Financial Tracking & Budget Management
Taking control of your financial life, managing your debts, and planning your expenses smartly is now much easier. Inspired by the diligence and savings philosophy of an ant, Kârınca is a completely user-centric personal finance assistant. Track where your money goes second by second, uncover hidden interest costs, and get out of debt by managing your budget efficiently with AI-powered analysis.
Key Features:
Current Payment Methods Management
Define the payment methods you use in your daily life, such as credit cards, debit cards, or cash. By adding the interest rates of your credit cards, you can see the real costs you will face in your future expenses in advance.
My Daily Expenses
Log the instant expenses you make during the day in seconds. Select which payment method you used for your expense. If you used a method with an interest rate (like a credit card), Kârınca automatically calculates the extra interest burden that will be reflected in this expense.
Smart Debt Tracking and Exchange Rate Loss Calculation
Gather all your liabilities, from personal loans to gold debts, on a single screen. Track your monthly installments by entering the loan amount, interest rate, maturity, and payment days into the system. Moreover, thanks to market integration, instantly view the difference between the initial value of your gold or foreign currency debts and their current market value, calculating your potential exchange rate loss.
Regular Payments and Subscriptions
Add your recurring monthly expenses like rent, bills, and digital platform subscriptions (Netflix, Spotify, etc.) once, and avoid surprises when the payment day arrives. Create a complete map of your fixed monthly expenses.
Income Management
Process the income you earn from your salary, rent returns, or other sources into the system to clearly see the total financial power in your safe.
Comprehensive Dashboard
Analyze your net status on this screen where all your financial data interact with each other. See your "Real Usable Balance" remaining when your upcoming regular payments and monthly debt installments are deducted from your total income. Track your upcoming payments at a single glance with budget health charts.
AI-Powered Finance Assistant
Chat with your integrated AI assistant that works based on the data you enter. Your assistant analyzes your spending habits, offers personalized strategies to pay off your debts faster, and identifies areas where you can save money.
Smart Guidance (Onboarding)
You will never get lost with the guide screens that welcome you in every tab and explain how to use that section from the very first moment you start using the app. You can access these information screens again with a single click whenever you need them.
Kârınca is not just a tool where you enter your financial data; it is a companion that processes and calculates your data, aiming to bring you to your financial freedom. Download Kârınca now to manage your budget effortlessly and start saving today!
our privacy policy: https://karinca.store/policies/privacy-policy
terms: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
contact: destekkarinca@gmail.com
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Some known issues have been resolved
Visual updates have been made
Financial data has been made more reliable.
Financial data can now be stored in the cloud.
The developer, NECIP FAZIL AKAY, 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:
- Identifiers
Data Linked to You
The following data may be collected and linked to your identity:
- Contact Info
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- User Content
- Identifiers
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- NECIP FAZIL AKAY
- Size
- 67.3 MB
- Category
- Finance
- Compatibility
Requires iOS 16.4 or later.
- iPhone
Requires iOS 16.4 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
- Annual Premium $39.99
- Monthly Premium $3.99
- Copyright
- © 2026 Kârinca - All Rights Reserved