About
Most couples never merge everything. The apps assume they did.
That assumption forces a choice nobody actually made: either you share one pot and give up any private spending, or you keep separate accounts and give up ever seeing the household clearly. Inkece exists because that is a false choice, and because the fix is not a feature — it is where the line sits in the data model.
What we built
Inkece gives two people three money spaces. Mine is your own — your salary, your accounts, the present you are buying. Ours is the household — rent, groceries, the medical aid — funded by both of you and visible to both. Yours is your partner’s private money, and it is the space you will never see.
Every account, budget and transaction sits in one of those lanes, and the lane is chosen when the thing is created rather than by remembering to hide it afterwards. That is the whole design. Everything else — the statement import, the three budgets, the cost-sharing arithmetic, the monthly report — is built on top of a rule that was decided once and cannot be forgotten later.
It is South African by default rather than by configuration: rands throughout, the South African tax year, and parsers written against the statements that South African banks actually export.
What we will not do
It reads statements. It does not connect to your bank.
You upload the CSV your bank already gives you. That is more work than a live connection, and it means no third party ever holds your banking credentials. Discovery Bank and Capitec are readable today; a bank joins that list when we have parsed a real export from a real account, not when we have announced it.
It describes your money. It does not advise you.
Inkece will never suggest a product, a fund or a move. That is regulated financial advice in South Africa under FAIS and needs a licensed FSP, which we are not. What you get is your own numbers, stated as arithmetic you can check.
It is young, and small.
There are no user counts on the front page and no testimonials, because there are no users to count yet. When something is broken, the person who wrote it is the person who reads your email.
Three things we have committed to
Each of these is enforced in the product rather than promised in a paragraph.
Privacy is the architecture, not a setting
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 work backwards from.
Protecting your account is never a paid feature
Two-factor authentication, recovery codes, device alerts, sign-in history and sign-out-everywhere are on the free plan and always will be. A paywall over “protect your account” is not a business model we want.
The exit is as good as the entrance
A complete JSON export on every plan, including the free one. Delete your account and your records go with it. Holding somebody’s own financial records to ransom is the kind of thing that ends in a POPIA complaint, and it deserves to.