Money, but Visible.
Every dollar visible. Every bill anticipated. Manual tracking with local-first privacy.
Built for iPhone • Requires iOS 26 or later • No bank connection
"Where did my money go?"
You make good money. But every month, it vanishes into subscriptions, impulse buys, and forgotten autopays. You're not bad with money — you just can't see it.
Stop the Mental Math.
Know exactly what's safe to spend after every bill, subscription, and saving goal is accounted for. Real math — not guesswork.
You're on the right track.
Let's build momentum.
Gamify Your Health.
Your Financial Intelligence score isn't a credit score — it's your real-time financial IQ. Watch it rise as you build better habits.
See the Future.
Your net worth isn't a number — it's a trajectory. Visualize where you're heading months in advance based on today's habits.
Simple by design.
From zero to full financial clarity in under two minutes.
Setup
Create your accounts manually in seconds. Private on-device tracking with zero bank linking.
Track
Log transactions with ease. Smart categorization, real-time budgets, and local-only insights.
Grow
Watch your Financial Intelligence score rise. Set goals, hit milestones, and build wealth.
Your data. Your rules.
KineXi keeps financial records local, protects stored files with iOS security, and gives you explicit control over exports.
Complete File Protection
Local financial data uses Apple's Complete protection class and is inaccessible while your iPhone is locked.
Encrypted Backups
Backups created by KineXi use AES-GCM-256 encryption before you save or export them.
No Bank Connection
KineXi never asks for bank credentials. You control the accounts and transactions you enter.
On-Device Intelligence
Supported financial insights are processed on your iPhone instead of a cloud AI service.
Frequently Asked Questions
Clear answers about beta access, privacy, and tracking with KineXi.
Does KineXi link to my bank account?
No. KineXi does not connect to your bank or request bank credentials. You add transactions yourself by typing, voice, or camera. App financial records are stored locally on your iPhone; user-initiated exports are handled separately.
Is KineXi free to download?
KineXi is currently available as a free TestFlight beta for supported iPhones running iOS 26 or later. Submit your email at kinexi.app and we will send the TestFlight invitation.
Is KineXi available on Android?
KineXi is currently available as a TestFlight beta for iPhone with iOS 26 or later. The email form is only for TestFlight beta access and essential messages about that beta; it does not offer Android-update signups.
How does KineXi keep my financial data private?
KineXi stores financial records locally using Apple's Complete file-protection class, offers AES-GCM-256 encrypted backups, requires no bank connection, and processes supported financial insights on the iPhone. Website beta signup data is covered separately in the Privacy Policy.
What is the Financial Intelligence score in KineXi?
The Financial Intelligence score is a real-time 0–100 health score that measures your financial behavior — including budget adherence, savings rate, debt ratio, and spending habits. It updates as you log transactions and rewards you for making smart financial decisions.
How is KineXi different from Mint, YNAB, or Monarch Money?
Unlike bank-connected apps, KineXi requires no bank credentials or automatic bank feed. The financial records you enter are stored locally on your iPhone, and supported financial insights are processed on-device. Website beta signup data is handled separately under the Privacy Policy. KineXi combines a Financial Intelligence score, safe-to-spend calculations, and 6-month net worth projections.
How do I track my spending in KineXi without a bank connection?
KineXi lets you log transactions three ways: type them in manually, use voice input to dictate entries hands-free, or scan a receipt with your camera for automatic data capture. AI categorization handles the sorting so you stay organized without effort.
What is a safe-to-spend amount and how does KineXi calculate it?
Your safe-to-spend is the money left after KineXi deducts your upcoming bills, subscriptions, and savings goal contributions from your income. It updates daily so you always know exactly how much you can spend without going over budget — no mental math required.