AQVIKYour AI Personal Finance OS
AQVIK keeps one clear record of your money — what you spent, what is committed, what you are saving toward — and uses AI to explain what is actually happening to it. Not a tracker you fight with. A system that keeps up.
Closed testing — invite only. How to join.
- Exact to the paisa
- Every amount is stored as a whole number of paise, so totals never drift.
- Offline first
- Entries are written on your device and reconcile when you reconnect.
- You confirm the writes
- AI reads, sorts and suggests. Nothing enters your records unasked.
Access
AQVIK is in closed beta
The Android build is live on Google Play closed testing. It carries the newest features, bug fixes and performance improvements — and, being a beta, the rough edges that come with them.
Already on the tester list? The link takes you straight to the listing. If it shows nothing, your Google account has not been added yet — request access below.
Not enrolled yet? Three steps
- 01Open the Google Play linkUse the button above, signed in to the Google account you gave us. Closed testing is invite-only, so the listing stays hidden until your address is on the list.
- 02Join the testing programmeAccept the invitation on the page that opens. This is what unlocks the build for your account.
- 03Install or update AQVIKInstall from Google Play as normal. Later beta builds arrive as ordinary app updates.
Standards
Money apps earn trust before anything else
These are commitments about how the product is built, not badges. Each one is testable, and each one holds from the first release.
Secure
Encrypted in transit and at rest. Sessions are scoped per device and can be revoked from your account.
Private
Your financial records are yours. We do not sell your data, and we do not share it with advertisers.
AI powered
AI sorts, summarises and explains. Anything that changes your records asks you first.
Built for everyone
Readable type, real contrast, full keyboard and screen-reader support — not an afterthought.
Capabilities
Everything your money touches, in one record
Each capability writes to the same ledger, which is why the numbers agree with each other no matter which screen you are looking at.
Expense tracking
Record spending in seconds. Amounts stay exact to the paisa, so your totals never drift.
Budget management
Set limits per category and see how much room is left before the month ends, not after.
Financial goals
Name what you are saving for, fund it on your own schedule, and track the distance left.
Subscriptions
Every recurring charge in one list, with the renewal date and the yearly cost written plainly.
Investment tracking
Hold your investments alongside everything else, so net worth is one number instead of six apps.
Savings insights
See what you actually kept each month and which habits moved that number.
AI financial assistant
Ask questions in plain language. Get answers grounded in your own records, with the working shown.
Analytics
Trends, categories and comparisons over time — the report you would build by hand, already built.
Position
Not another expense tracker
Tracking is the entry point, not the product. The point is a financial operating system: one record, one set of rules, and an assistant that can reason over both.
A system of record, not a scrapbook
Most trackers store a pile of rows. AQVIK keeps a consistent financial ledger underneath, so every screen agrees with every other screen and history stays auditable.
The AI works on your data, not on averages
Generic advice is easy and useless. AQVIK reasons over your own transactions, budgets and goals, and tells you where a conclusion came from.
Automation that asks before it acts
Capture and categorisation are automatic. Committing anything to your records is not. You stay the one who confirms.
One place for a whole financial life
Spending is only the entry point. Budgets, goals, subscriptions, investments and savings belong in the same system, because they all draw from the same money.
Product
The app as it stands today
Screenshots from the current AQVIK Personal OS build, not renders. It is still in beta, so the interface will keep changing before public release.
Sequence
What is built, and what comes after
Order matters here: each stage depends on the ledger underneath it being correct first. Dates are deliberately absent — we will publish them when they are commitments rather than hopes.
- NowBuilding
Expense management
The foundation: fast capture, categories, accounts and a ledger that stays correct offline and on.
- Transaction capture
- Categories and accounts
- Offline-first sync
- Monthly breakdowns
- NextNext
Budget intelligence
Budgets that respond to how you actually spend, and warn you early rather than reporting the damage.
- Adaptive category limits
- Early overspend signals
- Recurring cost detection
- NextNext
Investment intelligence
Holdings and contributions in the same ledger, so net worth and cash flow are one continuous picture.
- Portfolio tracking
- Contribution history
- Net worth over time
- LaterLater
Financial AI
An assistant that answers questions about your money and can show the records behind every answer.
- Conversational queries
- Explained reasoning
- Scenario questions
- LaterLater
Finance memory
Context that persists: what you decided, what you tried, and what you asked not to be reminded about again.
- Durable preferences
- Decision history
- Personal context
- LaterLater
Smart planning
Forward-looking planning across goals, commitments and income — with the trade-offs made visible.
- Cash-flow forecasting
- Goal trade-offs
- Commitment planning
Questions
Straight answers
Including the ones where the answer is still 'not yet'.