CapKin product facts

What CapKin is

CapKin is a shared household budgeting app. One household keeps one shared budget: the owner sets an overall monthly spending cap and per-category caps, and every member logs expenses against them. CapKin answers one question: how much is our household spending, in which categories, against the limits we set.

The name combines "Cap" (a spending cap, the core mechanic) and "Kin" (family). It is written "CapKin" or "Capkin", never "Cap-Kin" or "CAPKIN".

Key facts

How expense entry works

Members log expenses by speaking or typing a sentence such as "milk 3.20, bread 2, and a taxi home 14". CapKin splits the sentence into individual line items, assigns each to a budget category, and shows the result for review. Nothing is saved until the member confirms.

Voice entry works like this: the browser records audio, the audio is transcribed to text, and the member sees and can edit the transcript before it is parsed into expenses. Every action available by voice is also available by typing and tapping. If microphone permission is denied or unavailable, text entry works on its own.

What CapKin does not do

CapKin does not request bank credentials, connect to bank or card accounts, or import bank transactions. Expenses exist in CapKin only because a household member entered them.

CapKin does not move money. It has no payment, transfer, or bill-pay features. It is a tracking and planning tool, not a financial account.

CapKin is not an investment, credit, or wealth-management product and gives no financial advice.

Audio and data handling

Raw voice audio is used for one purpose: producing a text transcript. Audio is held in transient storage only while the transcription job runs and is deleted as soon as transcription completes. There is no audio table in the CapKin database; only the resulting text and the structured expense items are retained.

Transcription and expense categorization use the OpenAI API (Whisper for speech-to-text, a GPT model for parsing). Only the entered text and the household's category names are sent; no account credentials or unrelated personal data. CapKin uses OpenAI's API on a tier with data-retention and model-training opt-out: content sent for transcription and parsing is not retained by OpenAI or used to train its models.

Data is encrypted in transit (TLS) and at rest. Each household's data is isolated by household ID on every query. Households can export their data and delete their account; deletion is initiated by the owner with an explicit confirmation step.

User roles and child entries

CapKin has three roles.

The owner creates the household budget, sets the currency, the overall cap, categories and per-category caps, manages members, and approves or rejects children's entries. Each household has exactly one owner; ownership is transferable.

A member adds and edits their own expenses and views the budget, totals, and dashboard. Members cannot edit other members' entries. A member is typically a partner, but a teenager can also hold this role if the owner chooses.

A capture-only child is the role for children and for teenagers whose entries the household wants to review. They can log expenses, but each entry is saved as pending and does not count toward any category or budget total until the owner approves it.

The approval process: when a child confirms an expense, it is stored with pending status and excluded from all totals. The owner reviews it and either approves it (it then counts toward totals like any other expense), corrects a small error and approves it, or rejects it, optionally with a note. Rejected entries never count toward totals but are kept for the household's records rather than silently deleted. The child receives an in-app notification of the outcome. Only the owner can approve or reject, and this is enforced on the server, not just in the interface.

Role and ownership checks are enforced on every API call.

Availability, language, and currency

CapKin runs in a modern web browser on phones and desktops and can be installed to the home screen as a web app. There is no separate iOS or Android app and no app store is required.

CapKin is available worldwide. The interface is in English. A household budget uses one currency, chosen by the owner from ISO 4217 currencies; all expenses in that household use it. Numbers and dates follow the member's locale.

Pricing

CapKin is free during beta. Paid plans have not been announced. If that changes, this page will be updated.

Status

CapKin is in beta and pre-launch as of July 2026. Features described on this page reflect the current product specification; the core loop is budget setup, voice or text expense capture, category totals, and child-entry approval.

Company and contact

CapKin is an independent product; a legal entity has not yet been formed. Questions, including privacy and data questions, go to getcapkin@proton.me.

Website: https://www.getcapkin.com

Data subprocessors

CapKin uses these third-party services to operate:

Additional providers for the database, transactional email, and error monitoring will be added to this list before launch, once contracts are final. Analytics: CapKin does not currently name an analytics vendor; this entry will be updated if one is added.

Verification

This page was last verified against CapKin's product specification and technical implementation on 18 July 2026. If any statement here conflicts with the privacy policy, the privacy policy governs and this page will be corrected.