Share a life.
Not a bank account.
Most couples never merge everything — and the apps that assume you did make you choose between privacy and a plan. Inkece gives two people three money spaces: Mine, Yours and Ours.
Free for one person · 30 days of Pro when you sign up · No card
You upload the statement your bank exports — Inkece never connects to your account and never holds your banking login. Discovery Bank and Capitec can be imported today; other banks are added as they are written, and everything works on transactions you enter yourself in the meantime. See a statement go in
Your own accounts, your own budget, your own spending. Yours to see and nobody else's.
- SalaryR42,000.00
- Gym, phone, coffeeR2,180.00
- Personal savingsR6,500.00
Rent, groceries, the medical aid — what the two of you fund between you. Both of you see all of it.
- RentR14,500.00
- GroceriesR7,240.00
- Holiday fundR3,000.00
Your partner's private money. You will never see it — and they will never see yours.
Nothing to show — and that is the feature.
How it works
Three spaces, one household
Every account, budget and transaction sits in a lane. The lane decides who can see it — and it is decided once, when you add the thing, not by remembering to hide it later.
Mine stays mine
Your salary, your accounts, the birthday present you are buying. Private by default, and private means never loaded for the other person — not merely hidden on screen.
Ours is genuinely shared
Rent, groceries, the medical aid. One plan you both fund and both see, with the split worked out to the cent from whatever the two of you agreed.
The gap is settled, not argued
Inkece knows what each of you carried against what each of you agreed to carry, and tells you who owes whom. When the payment lands, it matches it for you.
See it working
One household, one month, five steps
Sample figures for a household that shares the rent and the groceries and keeps everything else to themselves. This is the actual path from an empty account to a settled month.
- 1
Add the account, and say whose it is
AccountsEvery account gets a lane when you create it, and the lane travels to every transaction inside it. The joint account is shared; the personal one never is, and choosing that once is what stops it being a thing you have to remember each month.
Two accounts, two lanes
Household cheque
Discovery Bank · both of you
OursR18,420.00Personal savings
Capitec · yours alone
MineR6,500.00 - 2
Import the statement your bank already gives you
ImportUpload the CSV, or forward the bank's statement email once and let it arrive by itself. Rows are read, categorised from what you have taught the app before, and put straight in; whatever it could not place waits under Uncategorised for when you have a minute. Re-upload an overlapping export and the rows you already have are recognised rather than added twice.
62 rows read · 12 already imported, skipped
Rent — Erf 214
1 September
Ours−R14,500.00Checkers Hyper
3 September
Ours−R2,180.40Gym membership
3 September
Mine−R699.00 - 3
Split the swipe that was really three things
A transactionOne trolley is often groceries for the house and something that is nobody else's business. A transaction is split into allocations, each with its own category and its own lane — so the private half is private without the whole purchase disappearing from the household's groceries.
Checkers Hyper · R2,180.40 · split in two
Groceries
Household food
OursR1,842.40Personal
Your partner sees the total, never this line
MineR338.00 - 4
The month is divided the way the two of you agreed
ContributionsEqually, by income, or by whatever proportions you set. Here it is by income — R42,000 and R30,000 — so the shared R21,740 divides 58.33 / 41.67 and each share is worked out to the cent rather than rounded.
Shared this month · R21,740.00
You · 58.33%
R12,681.67
Your partner · 41.67%
R9,058.33
- 5
Who owes whom, and then the month closes
Dashboard and the monthly reportThe app compares what each of you actually carried against what each of you agreed to carry. When the settling payment lands in next month's statement it is spotted and matched, so it stops counting as either person's spending. Then the Money Check-In asks its four questions with the figures frozen as they stood.
September · settled
You paid
Rent, and most of the groceries
R16,200.00Your partner paid
Medical aid, electricity
R5,540.00Your partner owes you
R3,518.33
Sample data, not a real household — there are no real households to show yet, and inventing testimonials is not something we are going to do. Every figure above is arithmetic the app performs; the split is worked out to the cent from the two incomes and the agreement, not rounded for the page.
There is no screen in Inkece where one partner reads the other’s private money.
Not a setting you have to find and switch on. A private line is never loaded for the other person, and a shared total is the sum of the lines you are allowed to see — not what the bank charged. There is no figure left over to reverse-engineer.
What is inside
A complete money app, not a shared spreadsheet
Everything below works on a household of one. The partner seat is what Pro adds.
Accounts and transactions
Six account types, each in a lane. Every transaction lives in the account that explains it, split across categories when one swipe was really three things.
Statement import
Upload the CSV your bank already gives you. Rows are fingerprinted, so importing the same statement twice does not double your month.
Three budgets, not one
An Ours plan for the household and a Mine plan each. Nested categories, limits that can roll forward, and no pretending two people want the same thing.
Cost sharing and settlement
Split the shared costs equally, by income, or however you actually agreed. Inkece works out who owes whom and spots the payment when it lands.
Bills and a calendar
What is due, what has been paid, and what is about to hit before payday — laid out on the month rather than buried in a list.
Forecast
Three months free, twelve on Pro. Where the money runs out, and which month it happens in.
Goals, debts and assets
What you are saving toward, what you still owe and what you own — with upkeep and depreciation on the things that cost money to keep.
Reports and the tax pack
A Monthly Household Report and Budget vs Actual, on screen or as an A4 PDF. A tax-year summary grouped the way a return asks about it.
Ask your money
Ask in your own words. A model reads the question; every figure in the answer is worked out by the app from your own records.
South African by default
Built here, for here
Not an American app with a currency switch. Rands throughout, the South African tax year, and statements from the banks people actually use.
Statements you can import today
Next in line: FNB, Standard Bank, Nedbank, Absa, TymeBank. Each one is a parser written against a real export rather than a published spec — so we add a bank when we can read it, not when we have announced it.
The South African tax year
A year of your records grouped the way a return asks about them, with medical, retirement and donations pulled out. Not a tax return — a summary you can hand to whoever does yours.
It describes. It does not advise.
Inkece will never tell you to move money into a product. That is regulated advice under FAIS and needs a licensed FSP. You get your own numbers, stated as arithmetic.
Your records stay yours
Full JSON export on every plan, including the free one. Leave the household, or delete the account and the records go with it.
Once a month
The Money Check-In
Every couples-finance problem people describe is a conversation problem wearing a spreadsheet. So the app closes the month by putting the numbers down and asking four questions.
The figures are frozen as they stood that month, so a transaction entered in October cannot rewrite what you agreed in September. Nobody else ever sees the answers.
This month’s questions
- 1What went well financially this month?
- 2Are there expenses you'd like to reduce?
- 3Should your contribution percentages change?
- 4Which goal should be your priority next month?
The numbers are the prompt, not the point.
Pricing
Free is a household of one
Pro is a household of two, and the three plans that come with it. One price for the household — your partner is included, never charged separately.
Free
A complete tracker for one person
R0
No card, no expiry
- Your own budget, all categories, nested limits
- Accounts, transactions, splits and transfers
- Bills, calendar, goals and debts
- Three statement imports a month
- A three-month forecast
- This month's reports, on screen
- Every security feature — 2FA, device alerts, sign-out everywhere
- Full JSON export of everything
Pro
A household of two, both included
R129/ month
or R1,290 a year — two months free. VAT included.
- Everything in Free, plus:
- Your partner's seat, and the three budgets
- Cost sharing, settlement and matched partner payments
- Unlimited statement imports
- Six and twelve-month forecast
- Every past month, and the A4 PDF
- The tax-year pack
- Assets, receipts and upkeep planning
- The Money Check-In, and Ask
No card. Drops to Free when it ends.
Questions
The ones worth asking first
Does it connect to my bank?
No, and not by accident. Inkece reads the statement your bank already gives you rather than holding a live connection to your account — which means no third party keeps your banking credentials. Upload the CSV, and the rows are matched, categorised and de-duplicated for you.
My bank is not on the list. Can I still use it?
Yes, with more typing. Discovery Bank and Capitec can be imported today, and FNB, Standard Bank, Nedbank, Absa, TymeBank are the ones being written next. Everything else in the app — accounts, budgets, splitting shared costs, the reports — works exactly the same on transactions you enter by hand. A bank joins the list when we have parsed a real export from a real account of it, not when we have announced it.
Can my partner see what I spend privately?
No. A private line is never loaded for the other person — not hidden in the interface, not filtered out on the way to the screen. A shared total is the sum of the lines you are allowed to see, so there is no figure left over to reverse-engineer either.
Do I need a card to try Pro?
No. Every new household starts on a 30-day Pro trial with no card — long enough to close a full month, so you see the Monthly Household Report and the Money Check-In before you decide. Nothing charges you when it ends; the household simply moves to Free.
What happens to the two of us when the trial ends?
Nothing is deleted and nobody is locked out. Both of you keep your sign-in, both of you stay in the household, and both of you carry on adding, editing and categorising your shared accounts and transactions. Both of you can still export everything as JSON, in full. What stops until somebody subscribes is the shared depth: the Ours budget, changes to how you split costs, settlement and partner payments, the Money Check-In, assets and receipts, the Ask box, report PDFs and months before the current one, the tax pack, forecasting past three months, and more than three statement imports a month. Everything comes back exactly as it was the moment a subscription starts.
Free is for one person — so is my partner put out of the household?
No. The partner seat is what Pro sells, and that means inviting a new person needs Pro. Somebody already in the household stays in it: a plan ending is not a reason to put a person out of records that are half theirs. The pair of you on Free is a household of two with the shared features locked, not a household of one.
What happens if we separate?
Either of you can leave the household, and your private records go with you. The shared records stay with the household, because deleting them would silently rewrite the other person's settled months and every balance built on them — one person leaving is not licence to edit somebody else's past. Whoever remains keeps working as before. The owner cannot walk out on a household that still has a partner in it; the other person leaves first, so somebody stays accountable for the shared history. Deleting your account removes your private records for real rather than flagging them, and if nobody is left in the household everything belonging to it goes too. Export first — it is free on every plan, and it is complete.
Is any of this financial advice?
No. Inkece describes your own money and stops there — it will not tell you to move cash into a money-market account or recommend a product. That is regulated advice in South Africa and needs a licensed FSP, which we are not.
Keep your money separate. Run the household together.
Start on your own today. Bring your partner in when you are ready — their seat is already paid for.