Naviko
App names: Naviko, also known as 每笔记
Developer: YI WU
Contact: yinhekuaidi@gmail.com
Last updated: June 10, 2026
About Naviko
Naviko is a personal finance and bookkeeping app for recording income and expenses, organizing ledgers, reviewing spending patterns, and managing common personal finance workflows such as budgets, reimbursements, loans, installments, subscriptions, scheduled bookkeeping, backup, and data sync.
The Android app is designed primarily around local storage. Most bookkeeping data remains on your device unless you choose to use optional online features such as AI recognition, Premium benefits, AI credits, redemption codes, Google Play purchase verification, or Google Drive sync.
Important Links
Core Features
- Manual bookkeeping for income and expense records.
- Multiple ledgers, accounts, categories, counterparties, notes, attachments, recycle bin, import, and export.
- Financial overview, trends, account statistics, ledger statistics, budget tracking, and insights.
- Optional AI bookkeeping assistant for text, image, and supported recognition workflows.
- Optional Google Drive sync that uploads app backup files only after you authorize Google Drive access.
- Optional Premium features and AI credits managed through Google Play Billing and Naviko service-side checks.
Privacy and Data Handling
Naviko does not show advertising and does not sell personal data. The current inspected Android build does not include Firebase, AdMob, Google Analytics, Crashlytics, advertising SDKs, or similar analytics, advertising, or crash reporting SDKs.
Optional online features may send only the data needed to provide that feature. For example, AI features may send content that you ask the app to recognize or process, Premium and AI credit features may send purchase or entitlement related data, and Google Drive sync may use Google Sign-In and the Google Drive API.
For full details, read the Privacy Policy.
Google Drive Sync
If you choose Google Drive sync, Naviko requests Google Drive drive.file access. This permission is used
to create or update backup files generated by Naviko in your Google Drive. Naviko does not use this permission to
browse, read, or manage unrelated files in your Drive.
You can revoke Google Drive authorization from within the app where available, through Android or Google account settings, or by removing the app's access from your Google account.
Premium, AI Credits, and Purchases
Naviko may offer optional Premium features, AI credits, and redemption-code features. Premium purchases are handled through Google Play Billing. Naviko may verify purchase status and restore Premium benefits through Google Play and related Naviko services.
AI credits and redemption codes are optional service features. Their availability, balance, expiration, and use may depend on app version, service availability, fraud prevention, and applicable rules shown in the app.
Legal Notice
This page is provided for app store listing, OAuth branding, and user transparency. It summarizes the app's current public-facing behavior and links to the applicable policy documents. It is not a substitute for the full Privacy Policy or Terms of Service.