Inctra
Inctra
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Intentional weekly money tracking

Build real net worth, one week at a time.

Inctra is a weekly money practice — not another passive bank feed. Spend ten minutes a week, watch your surplus compound, and build real net worth on purpose.

Start your free 30-day trialSee how it works
No credit card required · Full access for 30 days
inctra.co.nz/dashboard
YTD Income
$128,450
↑ 12.4%
Net Surplus
$42,180
33% saved
Net Worth
$384,920
+$8,240
Net worth · last 6 years$0 → $384K
The shift

Budgeting apps tell you what you spent.
Inctra moves you forward.

Passive budgeting
Auto-syncs transactions, then leaves you to scroll a feed of the past.
Backward-looking. Categorises spending you can no longer change.
No view of net worth, habits, or where you're actually heading.
The Inctra practice
A ten-minute weekly review that keeps your money intentional.
Forward-looking surplus targets that compound week over week.
Net worth, habits and goals in one place — so you see the whole arc.

Everything your money practice needs

One calm, focused workspace — built for the weekly habit that actually grows wealth.

Weekly income & expense tracking

Enter your week in minutes and see surplus the moment you hit save.

Net-worth tracker

Assets, loans and credit cards in one figure that climbs every week.

Annual & year-over-year insights

See the long arc — how this year compares, and where it's trending.

Habits & goals

A contribution heatmap and goal tracker for the behaviours behind the numbers.

AI bank-statement import

Drop in a statement and let Inctra draft your week — you stay in control.

Surplus targets that compound

Set a weekly surplus goal and watch small wins stack into milestones.

Three steps, every week

1

Enter your week

Log income and expenses — or import a statement. Ten minutes, done.

2

Watch surplus & net worth build

Your dashboard updates instantly — surplus banked, net worth nudged up.

3

Hit milestones

Reach your net-worth goals one week at a time. See every step on the tracker.

See the full walkthrough
Why it works

Small, consistent weeks compound into real wealth.

A ten-minute weekly review doesn't feel like much — but 52 of them a year means you always know where you stand, you catch drift early, and every surplus stacks toward your next milestone. The habit compounds just like the money does.

10 min
a week
52×
reviews a year
1
habit that compounds
Net worth growthIllustrative
Year 1Year 3Year 6

Free for 30 days, then $9/month.

Full access from day one. No credit card to start. Cancel anytime.

See what's included

Start building your surplus this week.

Join the weekly practice that turns ten minutes into real net worth.

Start your free 30-day trialBook a setup call

Prefer a hand? Book a meeting with one of our experts to get you set up.