Income
Know how much money comes in.
Money in
Your pocket bank
Your money.Clear and under control.
Track your income, expenses, loans and debts in one simple place.
Know what comes in, what goes out, what you owe and what others owe you.
Money in
Money out
Owed to me
I owe
Features
One place for your everyday money
Four simple questions. One clear answer each.
Expenses
Understand where your money goes.
Money outMoney owed to you
Keep track of people who need to pay you back.
Owed to meMoney you owe
Never lose track of your own debts and obligations.
I owe
Overview
See the full picture
MyNkap brings your everyday money together, so you no longer depend on memory, notebooks, WhatsApp messages or scattered records.
MemoryNotebooksWhatsApp messagesScattered records
“Your money is easier to manage when you can see everything clearly.”
DashboardSeptember 2026
Total income
850 000 FCFA
Total expenses
437 500 FCFA
Available balance
412 500 FCFA
Loans given
125 000 FCFA
Debts owed
75 000 FCFA
Savings
120 000 FCFA
RECENT ACTIVITY
💵
SalaryIncome · 25 Sep
+650 000
🏠
RentHousing · 05 Sep
−150 000
🤝
Paul repaid part of loanLoan · 22 Sep
+25 000
Plan & control
Plan your month. Stay on track. Close it properly.
Your income is not your budget. MyNkap separates everyday spending from loans, savings and investments, so you know what is really left.
Monthly plan
Your limits per category make your day-to-day budget. Loans, savings and investments are planned separately, and you see what is left unallocated.
Income ≠ budgetBudget this month
See how much you have used compared with where your plan expects you to be today. Check-ins on day 10, day 20 and 5 days before month end tell you what you can still spend per day.
Warnings before month endMonth-end review
Planned vs actual for day-to-day spending, loans, savings and investments. See where the difference came from, then approve — or not — the suggested changes for next month.
You decideCan I afford it?
Before judging a purchase, MyNkap sets aside your remaining day-to-day budget, loan payments, planned savings and investments — then shows the money that is genuinely available.
Genuinely availableMoney genuinely availableExample
Money left this month412 500 FCFA
− Remaining day-to-day budget120 000
− Loan payment still due50 000
− Savings still to set aside60 000
= Genuinely available for a purchase182 500 FCFA
A large balance alone does not make a purchase affordable: money already planned is set aside first.
Spending · OctoberExample
DailyCumulativeCategories
Everyday spendingBillsHigh day
10 October — 60,000 FCFA🛍️ Shopping: phone case & charger
See when you spend, day by day
- Daily, cumulative or by category — tap a day to see the purchases behind it.
- Your pace — how much of the month has passed against how much of your budget is used, with an even-pace line.
- Month-end estimate — where your day-to-day spending could finish if the pattern continues, clearly marked as an estimate.
- Last month — compared over the same number of days, with the categories that changed most.
☀️ MyNkap — Yesterday's spending
Yesterday you spent 18,500 FCFA. You have 116,500 FCFA left for 20 days: about 5,800 FCFA a day to stay within your plan.
A short summary every morning, at the time you choose. If nothing was recorded yesterday, MyNkap reminds you instead of congratulating you for spending 0.Recurring income and bills (salary, rent, utilities) come back as reminders: you confirm, edit or skip each one. MyNkap first checks whether you already recorded it — nothing is counted twice, and nothing is recorded without you.
New · Activity budgets
Plan the trip, the celebration, the renovation.
Each special activity gets its own budget, inside the same monthly picture. Every expense is counted once, and your normal day-to-day spending stays separate.
✈️
Trips in any currency
Budget your trip in XAF, RWF or any currency. Pay in whatever you used: MyNkap converts with today’s rate — or the rate your bank gave you — and shows both amounts everywhere.
XAF ⇄ USD📅
A daily budget on the road
Today’s spending against your daily budget, your pace so far, and how much you can still spend per day to stay within the plan.
Am I spending too much?🔨
Home projects with a Gantt chart
Sections, tasks, dependencies and milestones on a timeline. Record contractors, agreed contracts, what is paid and what is still owed — and see physical and financial progress separately.
Plan the work💧
Funding and cash flow
Only the money you set aside counts as available. A week-by-week forecast warns you when a contractor will need paying before the money is there.
Plan the moneyMYNKAP · ACTIVITY BUDGET
Home RenovationIn progress
Project budget$15,000
Available funding$8,000
Spent to date$5,200
Progress38%
Week 1Week 8
Electrical
Plumbing
Painting
Furniture
Example · Red bars: weeks where planned payments exceed the funding available.
✈️ TRIP · ACTIVE
Cameroon TripPlannedXAF 1,100,000 ≈ $1,833
SpentXAF 420,000 $700
Your bank rate1 USD = 600 XAF
Today XAF 120,000 / 78,000 · overAlso new in MyNkap
🧾 Bills & subscriptions: year calendar and reminders⚠️ Early warning when several renewals fall in the same month♟️ The Game of Money also judges the quality of your plan💬 Your money in plain words🎨 Professional colour themes📄 PDF reports in two currencies🗂️ 80 expense categories for daily life and travel⚖️ A trip is never read as a rise in your living costs📈 Link a project to an investment, if you want🏠 A shortcut on Home while an activity is active🔔 Reminders even when the app is closed🧮 A calculator in your AI wallet
Reminders & calculator
MyNkap reminds you at the right moment.
On your phone, even when the app is closed. You choose the times; nothing pops up while you use the app.
☀️
Morning and evening
Each morning: yesterday's spending and what is left of your budget. In the evening: a small nudge, only if nothing was recorded.
8 AM · 8 PM, your choice🧾
Bills and debts
A reminder before a subscription, a bill or a repayment is due. No more forgotten payments.
Before it is due🛍
The weekend
Saturday: what your last weekends cost and what is left per day, before shopping. Sunday: your week in 3 lines.
Saturday · Sunday🧮
Calculator
In your AI wallet, on every tab: calculate, then add it as an expense, check your budget, split it or convert it.
Offline · free
Loans & debts
Don’t forget who owes who.
Keep a clear record of money you lend and money you borrow.
OWED TO ME
125 000 FCFA
Paul M.
100 000
Part repaid
Aline K.
50 000
Pending
Samuel T.
30 000
Repaid
I OWE
75 000 FCFA
Eric (brother)
50 000
Pending
Neighbourhood shop
25 000
Pending
Colleague
20 000
Repaid
When a repayment comes in or goes out, record it and the balance updates, so you always know what is still outstanding. MyNkap keeps the record. It does not lend money.
How it works
Record it in seconds.
Three steps from “where did my money go?” to a clear answer.
1
ADD
Record income, an expense, a loan or a debt.
IncomeExpenseLoanDebt
2
TRACK
MyNkap organizes your transactions and balances by month and category.
3
UNDERSTAND
See where your money stands from your dashboard and monthly reports.
Why MyNkap
Money management
Money management
without the complexity.
Simple to use
No accounting knowledge needed. Add an entry and move on.
Designed for everyday money
Rent, transport, market, family support, school fees. Real life, not a balance sheet.
Income & expense tracking
Every amount in and out, grouped by category and month.
Loans & debts in one place
Who owes you, who you owe, and what has been repaid.
Clear financial overview
Your balance, savings and monthly reports at a glance.
Accessible from your phone
Runs in your browser and can be added to your home screen. No app store needed.
Your currencyUse the currency you are paid in: FCFA, naira, cedi, shilling, rand, dollar, euro, pound and more. A built-in converter also shows your balance in a second currency.
2 languagesEnglish and Français, switch at any time.
Real lifeMade for how people here actually handle money: family, friends, small loans and cash.
Inside the app
Every screen has one job.
A look at the main sections of MyNkap.
MyNkapHOME
NET BALANCE
412 500FCFA
INCOME
850 000
EXPENSES
437 500
OWED TO ME
125 000
I OWE
75 000
RECENT
💵
Salary25 Sep
+650 000
🛒
Market24 Sep
−18 500
MyNkapINCOME
ADD INCOME
650 000
Salary
SalaryBusinessGiftOther
25 / 09 / 2026
SAVE INCOME
MyNkapEXPENSES
ADD EXPENSE
18 500
Market – groceries
FoodTransportHousingHealthFamily
24 / 09 / 2026
SAVE EXPENSE
MyNkapLOANS
I LENT
125 000
I BORROWED
75 000
OWED TO ME
👤
Paul M.25 000 of 100 000 repaid
75 000
👤
Aline K.Lent 15 Sep
50 000
I OWE
👤
EricDue 30 Oct
50 000
🏪
ShopDue 10 Oct
25 000
MyNkapSAVINGS
SAVINGS GOAL
62%of target
SAVED THIS YEAR
744 000FCFA
GOALS
🎓
School feesTarget 400 000
80%
🏠
LandTarget 2 000 000
21%
MyNkapREPORTS
SEPTEMBER · WHERE IT WENT
SAVED
48%
VS AUGUST
+6%
PRINT / SAVE PDF
Illustrations with sample figures. Your own screens show your own data.
Privacy
Your finances.
Your finances.
Your records.
MyNkap is built on one principle: your money is yours, and so is your data.
Locked with your own PIN
Open MyNkap with your personal license key and a 4-digit PIN. Lock it again with one tap.
No name, phone number or email required
No location tracking, no advertising identifiers, no biometric data.
Never shared, never sold
Your financial records are not shared with advertisers, banks or other organisations, and are not sold.
Stored in the cloud, available on your devices
Records are kept on Google Cloud (Firebase), so your key and PIN bring them back on a new phone. You can delete your data at any time.
FAQ
Questions, answered
What is MyNkap?
MyNkap is a personal money-management app that helps you track income, expenses, loans and debts.
Is MyNkap a bank?
No. MyNkap is a money-management application that helps you organize and understand your personal financial records. It does not hold your money and does not lend money.
Is my income my budget?
No. Your budget is the limits you set per category for everyday spending. Loans, savings and investments are planned separately, and MyNkap shows what is left after all of them.
Can I see my spending day by day?
Yes. The Expenses tab shows a daily chart, a cumulative view against your budget, or spending by category, with your pace, a month-end estimate and a comparison with last month. Loan repayments, savings and investments are shown separately.
Does the morning reminder come to my phone?
It appears in the app (🔔 and Home). If you allow notifications, it also shows on your phone when MyNkap is open or running in the background at the time you chose. You can hide amounts on the lock screen.
Does MyNkap record transactions on its own?
No. Recurring income and bills are reminders: you confirm, edit or skip each one. MyNkap checks that you have not already recorded it, so nothing is counted twice.
Can I track money I lend to someone?
Yes. MyNkap lets you record and follow money that others owe you, including partial repayments.
Can I track money I owe?
Yes. You can keep records of your debts and repayments, so you always know what is still outstanding.
Can I use MyNkap for everyday expenses?
Yes. You can record your daily expenses by category and follow where your money is going each month.
Do I need to download it from an app store?
No. MyNkap opens in your phone’s browser. You can add it to your home screen so it opens like any other app.
How do I get access?
MyNkap is opened with a personal license key. You then choose a 4-digit PIN to protect access on your device.
Can I budget a trip in another currency?
Yes. Create an activity budget in XAF, RWF or any supported currency. MyNkap proposes today’s exchange rate, and you can type the rate your bank gave you instead. Each expense keeps the rate it was paid at, and you always see the local amount and the amount in your MyNkap currency.
Will a trip make my normal spending look higher?
No. Activity expenses are tracked in their activity, not in your day-to-day limits. Reports show normal spending and special activities separately, and explain what really changed — for example “your normal spending rose by only $50; the difference was your Rwanda trip.”
Can I plan a home renovation?
Yes. Choose the Home project template: add sections and tasks on a Gantt chart, the people doing the work and their contracts, and the funding you have set aside. MyNkap shows week by week whether the money will be there when each payment is due.
Which currencies and languages are supported?
You choose your currency in settings: CFA franc (XAF and XOF), naira, cedi, Kenyan shilling, rand, Egyptian pound, Congolese franc, kwanza, US and Canadian dollar, euro, pound sterling and dirham. All your amounts are shown in that currency, and the built-in converter gives the equivalent in another. The app is available in English and French.
Take control of your money.
Income · Expenses · Loans · Debts
See everything in one place with MyNkap.
Start with MyNkap Opens in your browser. Add it to your home screen for one-tap access.