Intentional by design, not automatic by default.
Most apps sync your bank and show you what you already spent. Inctra is different — it's a deliberate ten-minute weekly practice that puts you in control of where your money goes next.
Enter your week
Every Monday, open Inctra and log what came in and what went out. It takes about ten minutes. You can type it manually or import a bank statement and let our AI draft the entries for you — then just check, tweak, and save.
The moment you save, your surplus, expenses, and year-to-date figures update instantly.
Keep spending on target
Set expense targets and Inctra shows you exactly where you stand — green when you're on track, amber when you're getting close, red when you've gone over. No surprises at month end.
Every category is visible every week, so you can course-correct before it compounds.
Build net worth & momentum
Your surplus flows into your net worth. Track assets, loans, and credit cards in one number that moves every week. Set milestones and watch your progress bar fill.
Habits and goals round out the picture — so you can track the behaviours that drive the numbers, not just the numbers themselves.
Snap it — don't type it.
Take a screenshot of your banking app or a receipt and drop it into Inctra. Our AI-powered import reads the image, recognises each expense, and drafts the whole week for you — amounts, dates and categories filled in automatically.
You don't enter anything by hand. You just check the lines, tweak if needed, and save. The intentional weekly review, with none of the typing.
Bring your whole history in one go.
Got years of spending sitting in your bank? Upload your entire transaction history — from the very first statement to last week — and Inctra's AI reads every line, categorises each transaction automatically, and even identifies your assets as it goes.
Instead of starting from a blank page, you're set up with years of weekly history in minutes. Your net worth trend, surplus patterns and category targets are populated from day one — just review and save.
Why weekly?
A week is the sweet spot. It's short enough to catch overspending before it compounds, and long enough to see a pattern. Monthly reviews are too slow — problems have already embedded themselves. Daily checking is too noisy — the signal gets lost.
Fifty-two intentional reviews a year means you always know exactly where you stand. That consistency — not any single big financial move — is what builds wealth on purpose.