Capital AI

100% offline

A money app that cannot leak your money data

Capital AI puts 20+ financial calculators and a curated quote engine into one calm, dark app. There is no account to make, no server to trust, and no network code to audit — because there isn't any.

iOS & Android — one Flutter codebase Coming to the App Store and Google Play

Four rules the app is built to keep

These aren't marketing lines. Each one is a constraint the code is written against, and the app tells you when it can't keep one.

Offline-first, always

The released app contains no networking code and requests no internet permission, so the operating system itself would refuse a connection attempt.

Zero accounts

No login, no email, no onboarding wall. Open the app and use it. There is nothing to sign up for and nothing to sign in to.

Instant by design

Every calculation is local and synchronous. No spinners, no round trips, no waiting on a connection you may not have.

Calm, not gamified

Finance apps are anxious. Capital AI is quiet and dark-friendly, with no streaks, no badges, and no notifications begging you back.

Quiet on the surface, exact underneath

Real screens from the app.

Home screen showing the quote of the day and a grid of quick tools.
A quote for the day, then the tools you actually reach for.
Tools screen listing borrowing calculators with search at the top.
Every tool in four plain categories, searchable by nickname.
Loan result showing monthly payment, total interest, an insight, and a balance curve.
The payment, the total interest, and what it costs you in plain words.
Privacy screen listing exactly what the app stores on the device.
The app lists everything it stores. The list is short.

What's inside

Twenty-two tools across four categories. Anything still in build is shown greyed out in the app rather than hidden — Capital AI never overstates what it can do today.

Borrowing

  • Loan / EMI
  • Amortization schedule
  • Mortgage affordability
  • Debt payoff planner
  • Minimum-payment trap

Growing

  • Compound interest
  • Savings goal
  • Retirement projection
  • Return (ROI / CAGR)
  • Rule of 72
  • DCA simulator

Everyday

  • Currency converter
  • Tip & bill split
  • Discount & markup
  • Unit price compare
  • Salary breakdown
  • Inflation

Position

  • Budget (50/30/20)
  • Expense log
  • Net worth
  • Emergency fund
  • Break-even

An offline quote engine, not a chatbot

"AI" here means on-device intelligence, not a remote model. A scored retrieval engine matches a curated corpus against your mood, the time of day, and whatever you're currently calculating. Nothing is generated, and nothing is sent anywhere.

A budget is not a restriction. It is a decision made once, in advance, while you are calm.
— Capital AI

We can't see your data, because we never receive it

Capital AI has no server. There is no company holding a copy of anything you enter — nothing to hand over, sell, lose in a breach, or be compelled to produce.

  • No name, email, phone number, or account of any kind
  • No location
  • No contacts, photos, or files
  • No device or advertising identifiers
  • No analytics, crash reporting, or telemetry
  • No advertising, and nothing sold or shared
  • No bank, card, or payment details — the app never asks
  • No cookies or trackers on this website, either

Read the full privacy policy →