Kachink
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Kachink is a financial memory tool made for AI chatbots that tracks income and expenses through conversation. It works with Claude, ChatGPT, Codex, and any MCP client, turning casual money talk into logged transactions and monthly dashboards. Unlike traditional budgeting apps, Kachink runs inside the AI interface you already use rather than requiring a separate login or app. The product solves a specific problem: Claude and ChatGPT can read a receipt or parse a transaction perfectly in the moment, then forget it the next time you open the chat. Kachink stores what the AI read: the amount, currency, category, date, and exchange rate that applied. Ask again next month and the answer is still there. The site frames it as "Financial memory, in any AI chat," designed for people who already spend time in Claude or ChatGPT and want their AI to remember their finances.
Kachink handles money coming in entirely through manual chat entry. There is no bank syncing, no Plaid, no direct feeds. Instead, you mention transactions conversationally: "spent $12 on lunch," "got paid £3,200 from Acme," or "45 euros on a hotel last Tuesday." Kachink's site explains: "Mention it in passing. Whenever, however. Mid-sentence is fine." The AI extracts the amount, currency, category, and date, then Kachink logs it. This approach makes Kachink currency-neutral by design. You can log in any of 150+ currencies on the Pro plan, which includes "USD EUR GBP JPY" plus 27 others, "auto-converted nightly" to your base currency using live rates. The Free plan is limited to one currency, set by your first transaction. Because entries are manual and conversational, there's no connection to break, no failed sync, and no waiting for a bank feed. The tradeoff is that every transaction requires you to tell Kachink about it yourself, though the conversational format makes this lighter than filling out forms in a traditional app. The site emphasizes the naturalness of the interface: "It's just a conversation. No commands, no forms, no formatting. Talk the way you'd text a friend. Kachink picks up the money parts."
The budgeting workflow in Kachink centers on the in-chat dashboard. You ask the AI "show my dashboard" and a live monthly breakdown renders inside the chat window "right inside Claude. No new tab, no app switch." The dashboard displays "income, spending, and net at a glance" plus a "category breakdown with bars" and the ability to "browse any month, any year." Individual transactions appear inline as part of the chat history, and you can ask questions about trends: "how much this week?" returns a total and a category breakdown. The site says Kachink "picks up the money parts" from casual conversation, so the workflow is less form-filling and more like texting a friend about finances. The pricing page provides explicit examples of how transaction inference works: "$12 lunch at Nopa yesterday" becomes $12 · Food · Feb 26, "got paid £3,200 from Acme" becomes +£3,200 · Income · today, and "45 euros on a hotel last Tuesday" becomes €45 · Travel · Feb 18. Kachink infers the category from context (lunch maps to Food, hotel to Travel, paycheck to Income) without requiring you to select from a dropdown. One feature on Pro is recurring transaction automation: "Rent, Netflix, salary. Set once." After you log a recurring charge or income once, "a daily job logs it on the right day each month, so you don't have to remember." On Pro, you can log "unlimited recurring transactions" versus three on the free tier. The free tier supports manual entry only, so recurring charges must be logged when they happen.
Pricing is transparent and designed to appeal to light and heavy users. Kachink offers a Free plan at $0 forever and a Pro plan with flexible billing. Pro costs $6 per month when billed annually, or $9 per month when billed monthly, with the pricing page marking the annual option as a 33% saving over paying monthly. The site lists exactly what's free and what requires Pro: the Free plan includes "50 transactions per month, 3 recurring transactions, single currency, visual dashboard, full transaction history, data export (JSON)," with "no credit card" required and "no time limit." When you hit the free limit, "your existing data is safe, you just can't add new transactions until the next month resets or you upgrade." The Pro plan adds "unlimited transactions, unlimited recurring transactions, 150+ currencies with auto-conversion, visual dashboard, full transaction history, data export (JSON)." The pricing page says you can "switch between monthly and annual billing" and "switch at any time from your subscription management page," with "remaining balance prorated" when switching to annual. Payment methods accepted are "all major credit and debit cards, PayPal, and local payment methods through Paddle," handled by Paddle, which "handles all billing, taxes, and receipts." You can "cancel anytime from your subscription management page. You keep Pro access until the end of your billing period. No questions asked." Notably, one subscription covers both Claude and ChatGPT simultaneously, so you don't pay twice if you work across both platforms.
Kachink suits freelancers and remote workers who earn and spend in multiple currencies, people already deep in Claude or ChatGPT who don't want to context-switch to another app, and anyone who finds traditional expense-entry interfaces burdensome. It's particularly strong for gig workers tracking mileage, meals, and supplies mixed with irregular income from multiple clients. The Free tier with 50 transactions per month and 3 recurring entries works for someone logging basic expenses or trying the product before committing to paid features, though anyone with regular household expenses will likely exceed 50 transactions monthly. The 150+ currency support on Pro is essential for international freelancers, people with expenses across borders, and anyone who earns or spends in multiple currencies, making the annual subscription a minimal cost for people managing complex financial flows. Kachink is not suitable for people needing automatic bank syncing, traditional bank-link integrations, or sophisticated business accounting beyond basic category tracking. The manual-entry model means you must remember to tell Kachink about transactions; it's strongest for people already comfortable with chat-based interactions and those who value the discipline of consciously logging spending. Currency conversion happens nightly, not instantly, which matters if you trade currencies frequently or need real-time exchange rates for immediate decisions. Kachink explicitly states your data remains private: "Your transactions live in a private database isolated to your account. Nothing's shared with third parties. Sign-in is via Google." The site does not claim encryption, SOC 2 certification, or third-party penetration testing, so if those specific security assurances matter to you, this tool doesn't provide them publicly.
Sources and word verification: This draft was written from the captured pages at https://kachink.app/ (homepage) and https://kachink.app/pricing (pricing page). All numerical figures, pricing tiers, feature lists, and quotes are drawn verbatim from these sources and traced in the evidence file.