Inctra
Inctra
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One plan. Everything included.

Full access for 30 days. No credit card required to start. Then $9 NZD/month.

30 days free
$9NZD / month

Then $9/month after your free trial. No card required to start.

Start free trial

Cancel anytime · GST included for NZ customers

Weekly income & expense tracking
Net-worth tracker — assets, loans, credit cards
Expense targets with green/amber/red status
Habits heatmap & goal tracking
Annual & year-over-year insights
AI bank-statement import
Surplus targets & milestone progress
Full history — every week you've tracked

Frequently asked questions

No limited free tier. Instead you get full access to everything for 30 days, completely free. After that it's $9 NZD/month.

No. You can start your 30-day trial without entering any card details and use the entire app from day one.

To keep your access, add a card and you'll be billed $9 NZD/month. If you don't, your account is simply locked until you do — your data is never deleted.

Yes. Cancel in a couple of clicks and you won't be charged again. You keep access until the end of your current billing period.

Your data is isolated per user, encrypted in transit, and never sold. You stay in control and can export or delete it on request. See our Privacy policy for detail.

Pricing is $9 NZD per month with GST included for New Zealand customers. No surprise currency conversions.

Because you get a full 30-day free trial before any charge, we generally don't offer refunds on monthly payments — but reach out to support@inctra.co.nz and we'll always be fair.