Organize your money with the information you choose to enter.

Build a budget you can keep up to date

Start with the income you want to use as a reference and categories that reflect your life, such as food, housing or transportation. The option to enter your own amounts lets you choose limits and adjust category names and amounts later.

Keeping the records current is part of the process. KIVIFY does not check your bank balance or automatically receive every purchase. An expense you have not entered can change how much money you actually have available.

1. Set up your budget with your income and review the amounts assigned to each category.
2. After a purchase, enter its amount and category; record new income as it arrives.
3. Check your transaction history and correct anything that does not belong before interpreting the summary.

Turn monthly records into a reference for today

The Money view brings your budget together with the commitments you have recorded. Your daily pocket amount is calculated from available money, committed payments and pending contributions to goals, spread across the days remaining in the month.

For example, before buying something for your home, you can review the Home category and enter the planned amount in “Can I afford it?” The simulation shows the effect on your current information without recording the purchase itself. Its result changes when your records or plans change.

Import transactions when it helps

A PDF or CSV statement can help you bring in transactions without typing each one. CSV rows are read on your phone; a PDF is sent to AI for transcription. Review the period, amounts and categories before confirming. Future transactions need another entry or import.

If you have already entered some purchases manually, check that you are not adding them again. A useful budget needs both complete information and care with duplicate entries. The history gives you a place to review what you have recorded.

Local records and features that need a connection

Manual income, expense and category records are stored on the device. Budgeting without a bank connection does not mean that every tool is offline: PDF transcription, voice and AI requests use online services.

If you plan to use the budget without a connection, check the manual tools you need first. Keeping information complete and reviewing transactions remain part of the process; the app does not obtain your actual bank balance.

Review debts with comparable scenarios

Finances lets you record debts and payments and compare projections using avalanche and snowball methods. Those scenarios use the balances, interest rates, payments and extra contributions you have entered.

Calculated dates and interest amounts are scenario estimates, not agreements with creditors. Check that the inputs match your contracts and update actual payments before interpreting a projection. The app does not send payments or negotiate a debt for you.

Frequently asked questions