KEXANTIL

KEXANTIL is an on-device cash ledger that turns mindful posting into working-capital clarity—without a bank login or data harvest.

Core features Manual inflow/outflow posting with categories, multi-currency conversion, receipts, and voice memos Liquid-position pulse: runway, burn, savings rate, and a fourteen-day debit heatmap Purchase counsel that underwrites a ticket against surplus, near-term claims, envelope residual, and labor-hour opportunity cost Sinking aims with collateral photos, wax-seal milestones, and funded progress Allocation drawers that fence appropriations so discretionary spend cannot raid operating cash Split circles with running receivables/payables; subscriptions, amortizing loans, and sinking-fund dues on one claims tape Snowball vs avalanche paydown path for residual principal Statement of position (assets vs liabilities) and a bound fiscal circular on concentration risk and book character Focus Hour review rite with optional Apple Music bed CSV/JSON export and a posture still saved to Photos—opt-in only

Who it is for Privacy-minded individuals, couples, and roommates who prefer a private book to account aggregation: freelancers watching cash conversion, travelers posting in multiple currencies, and anyone funding aims while covering recurring claims—without handing over bank credentials.