Kipta: AI Expense Tracker

Kipta is more than an expense tracker. It records your daily spending, reads your receipts and bank statements, and turns them into reports, insights and a plan made for you.

A typical expense tracker says: Food 621.
Kipta says: 31 coffees, 9 burgers, and a coffee price up 10% since last year.

1. RECORD DAILY EXPENSES IN SECONDS
• Log cash, card or mobile wallet spending (bKash, UPI and more) in a few taps
• Add income from salary, freelance or side work
• Receipt scanner: every line read, with item, quantity, unit price and tax
• Upload a PDF or CSV bank or credit card statement. No bank login
• A receipt is matched to its card statement line: one purchase, counted once, in full detail
• AI categories, subcategories and tags, in any currency

2. REPORTS THAT EXPLAIN, NOT JUST ADD UP
• Item-level spending: "Coffee: 31 cups this month", not just "Food"
• Compare any two periods: did the price go up, or did you buy more?
• Your personal inflation rate, from what you actually buy
• Ask your money a question: any item, merchant or category, any period, as a chart. Tap a bar to look inside, then save and pin it
• Monthly summary, 12-month trends, month-over-month changes
• Money health score (0-100) and your spending personality

3. ONE MONTH, FOUR EXPERT VIEWS
• Planner: Am I okay? Savings rate, fixed costs vs income, runway in months
• Analyst: What moved the total? Price vs habit, category by category
• Psychologist: Why does it happen? Patterns like weekend takeout after 9 pm
• Coach: What do I do next? One change you can keep, and what it is worth

4. YOUR CARD STATEMENT, READ LINE BY LINE
• Avoidable fees: late payment and interest charges
• Negotiable fees: annual fee and foreign transaction fees
• Every subscription found, with its yearly cost
• Duplicate charges flagged

5. PREPARED FOR YOU
• Safe to spend: one daily number until payday, after bills and goals
• Budget planner built from your own history, with a Flex Pool for fun money
• Savings goals with a finish date: emergency fund, debt payoff, a big purchase
• Price memory: what you pay per litre, per 100 g or per piece, and when to restock
• Tax Pack: a year of records ready for tax time (US, Canada, Bangladesh, India)

6. REMINDERS FOR WHAT YOU FORGET
• Bill reminders for rent, utilities, loan EMIs and card due dates
• Care Log: car service, refills and warranties, with the receipt attached

7. AN AI ADVISOR THAT KNOWS YOUR NUMBERS
• Daily Read: 30 seconds every morning on your pace and today's number
• Your Week: what changed and what is due
• Monthly report: the top things to fix, savings opportunities and risk alerts
• Every note comes from your own spending, bills and goals, in English or Bangla

KIPTA PLUS (OPTIONAL)
Kipta is free. New accounts get 14 days of Plus at no cost, then move to Free automatically and keep all their data.
• Free: unlimited daily expenses, income, accounts and bills, reminders, safe to spend, and monthly receipt scans and statements
• Plus: the full AI advisor, statement findings, compare and reports, price memory, Tax Pack, Care Log and higher limits
Plus is a subscription billed through Google Play, monthly or yearly. Prices are shown in the app in your local currency before you subscribe. Cancel anytime in Google Play > Payments & subscriptions.

YOUR DATA AND PRIVACY
• No bank login, ever
• Sent over HTTPS; uploaded statements are stored encrypted
• Never sold, no ads
• Receipts and statements go to AI providers only to produce your results
• Delete your financial data or your whole account in Settings, or at kipta.app/data-deletion
Privacy policy: kipta.app/privacy

IMPORTANT
Kipta is a money manager and insights tool. Reports, scores and AI suggestions are for information only and are not financial, tax, investment or legal advice. AI output can contain mistakes, so check anything important. Kipta does not offer loans and cannot move money. You must be 18 or older to use Kipta.

Questions or feedback? [email protected]