# KeepyCash: Easy Budget Planner — Money tracker, no bank linking > Zero-based budgeting app to track spending, build savings, and improve financial health. (iPhone/iPad app by James Redman.) - Source: https://appshunter.io/ios/app/keepycash-easy-budget-planner/id6760102114 (this page in markdown: same URL + `.md`) - Developer: [James Redman](https://appshunter.io/developer/1881890133) - Category: Finance, Utilities - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 15.1 · 76 MB - Languages: American English - Released: 2026-03-24 - Data updated: 2026-08-27 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/keepycash-easy-budget-planner/id6760102114/reviews.md ## What is KeepyCash? You're leaking cash. Find it. Stop it. Keep it. Most people lose $1,000+ a year to "stealth" spending — subscriptions they forgot, habits they don't notice, purchases they don't track. KeepyCash helps you find it, stop it, and keep it. SPOT WHERE YOUR CASH IS QUIETLY SLIPPING AWAY Zero-based budgeting gives every dollar a job before you spend it. When you can see exactly where your money goes, the leaks become obvious — and stoppable. Research shows tracking your spending alone can cut it by 5–15%. That's potentially $1,000+ back in your pocket every year. BUILD STREAKS THAT KEEP MORE CASH IN YOUR POCKET Consistency is what turns awareness into savings. Log daily, build a streak, and watch your habits shift. KeepyCash makes it satisfying to stay on top of your budget — not a chore. WATCH YOUR NET WORTH GROW (WITHOUT EARNING MORE) You don't need a raise. You need to stop the leaks. KeepyCash shows you the math: where it went, what you saved, and how your Financial Health Score climbs as your habits improve. CORE FEATURES Zero-Based Budgeting Assign every dollar from every paycheck before you spend it. Groceries, rent, dining, savings — you decide what matters. Real-Time Transaction Logging Log spending the moment it happens. See assigned, spent, and remaining at a glance in every category. Financial Health Score (0–100) Track savings rate, budget compliance, assignment rate, and logging consistency. Watch your score climb as the leaks close. Spending Insights Charts that reveal weekly and monthly trends, category breakdowns, and overspend patterns — so you can make smarter decisions next month. Overspend Alerts Know instantly when you've exceeded a category. See exactly how much and why, so you can adjust — not guess. Multi-Category Management Create unlimited categories that match your real life: household, personal, subscriptions, savings goals, anything. Unlimited Budgets Separate budgets for personal finances, household, side business, or savings goals. Switch between them instantly. Cloud Sync Your budgets stay in sync across iPhone and iPad. Full Transaction History Unlimited history for trend analysis and year-over-year comparisons. Referral Rewards Invite a friend and you both get a free month when they subscribe — unlimited times. WHY KEEPYCASH? YNAB costs $180/year. Mint got cluttered and shut down. KeepyCash delivers professional zero-based budgeting at a fraction of the cost — with everything you actually need, and nothing you don't. Zero-based budgeting isn't about deprivation. It's about purpose. Spend $300/month on dining out? Assign it and enjoy it guilt-free. Overspend? You'll see exactly where — and fix it next month. We aim to find your first $20–$50 in wasted spending within minutes of setting up. HOW IT WORKS Create a Budget — Set up categories that match your life Assign Every Dollar — Allocate your income the moment you're paid Log Transactions — Track spending as it happens Review Insights — Catch leaks, spot patterns Adjust — Get sharper every single month All features included: unlimited categories, real-time tracking, Financial Health Score, Spending Insights, cloud sync, unlimited budgets, full history, overspend alerts, referral rewards, priority support. YOUR DATA IS SAFE Enterprise-grade encryption. No ads. No data selling. Ever. Subscription Details KeepyCash is available as a monthly or annual subscription Annual plan offers the best value — less than the cost of a coffee a day, to potentially keep $1,000+ a year Invite friends and both get a free month when they subscribe (unlimited referrals) Payment is charged to your Apple account at confirmation of purchase Subscription auto-renews unless cancelled at least 24 hours before the end of the current period Manage or cancel anytime in your App Store Account Settings Terms: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy: https://www.keepycash.com/privacy.html ## Key features - Zero-based budgeting - Real-time transaction logging - Financial Health Score - Spending insights and charts - Overspend alerts - Multi-category management - Cloud sync ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Yearly | $49.99 | per year | | Founder Annual | $19.99 | per year | ## Recent user reviews (6 of 6) All indexed reviews: https://appshunter.io/ios/app/keepycash-easy-budget-planner/id6760102114/reviews.md ### 2/5 — Pay only *2026-07-26* You can’t even use the app for free you have to start the subscription. Like you get a free month trial and that’s nice but still I shouldn’t have to pay to use the app especially since you’re advertising it to help with budgeting and majority of the time if someone needs to budget they can’t afford subscriptions for things like this **Developer response:** Thanks for your feedback. We know budgeting tools can be most valuable to people who are trying to save money, and we understand why paying for one can feel frustrating. The free trial is there to give you a chance to see if the app works for you before subscribing, but we understand that doesn't solve the bigger issue. We really appreciate you sharing your perspective, and we'll keep it in mind as we review our pricing. If cost is a barrier, feel free to reach out to us directly - we're always happy to see if we can help. ### 5/5 — Budgeting is fun again! *2026-04-22* Exactly what a budgeting app should be. Simple, powerful, and it finally got me on top of my money. ### 5/5 — Actually enjoyable to use! *2026-04-21* Never thought I’d say that about a finance app. KeepyCash makes budgeting feel rewarding instead of painful. ### 5/5 — Brilliant, Clean & Does The Job *2026-04-20* Downloaded as a referral from a friend and really does help. Simple tracking method no extra jargon just a simple way to keep track of your finances and stop you from spending all those little costs you don’t realise you have! Highly recommend ### 5/5 — Worth it *2026-04-16* I’ve tried every budgeting app and always give up. KeepyCash is the first one that stuck. Every dollar has a job and I actually check it daily. Game changer! ### 5/5 — Best Budgeting app I’ve Tried *2026-04-16* Exactly what a budgeting app should be. Simple, powerful, and it finally got me on top of my money. Love it! ## Frequently asked questions about KeepyCash ### What is KeepyCash's core budgeting method? KeepyCash utilizes zero-based budgeting, a method where every dollar of income is assigned a specific job before spending occurs. This ensures all your money has a purpose, from essential bills to savings goals. ### How does KeepyCash help users save money? By providing clear insights into spending patterns and identifying 'stealth' spending like forgotten subscriptions, KeepyCash empowers users to stop leaks and potentially save $1,000+ annually. Tracking spending alone can cut expenses by 5-15%. ### What is the Financial Health Score in KeepyCash? The Financial Health Score is a metric from 0-100 that tracks your savings rate, budget compliance, assignment rate, and logging consistency. As your financial habits improve and leaks are closed, this score will climb. ### Does KeepyCash offer a free trial for its subscription plans? Yes, both the Founder Annual and Yearly subscription plans for KeepyCash include a 1-month free trial. This allows users to experience the full features before committing to a paid subscription. ### How does KeepyCash compare to YNAB or Mint? KeepyCash offers professional zero-based budgeting at a fraction of YNAB's cost ($180/year). Unlike Mint, which has been discontinued, KeepyCash focuses on essential features without clutter, aiming to help users find their first $20-$50 in wasted spending quickly. ### What devices is KeepyCash available on? KeepyCash is available on iPhone and iPad, with budgets syncing seamlessly across these devices via cloud sync. Users can also access their full transaction history for trend analysis. ### How often is KeepyCash updated? The latest version of KeepyCash is 1.9.1, and it was last updated on June 24, 2026. This indicates a consistent update schedule to improve functionality and reliability. ### Is KeepyCash suitable for younger users? KeepyCash has an age rating of 4+, making it accessible for a wide range of users. Its intuitive interface and focus on financial literacy can be beneficial for developing good money habits from an early age. ## Version history (last 5 releases) ### 3.0.2 — 2026-08-21 Bugfix for 'account required' error ### 3.0.1 — 2026-08-20 EasyMode: We budget, FOR YOU - all you need to do is log your spending and we’ll build your budget so you don’t have to! Multiple Budgets: Have more than one budget? We’ve got you covered! Multiple Goals: Need to save for more than just Christmas? Now you can make goals for anything! Bugfixes & Performance Improvements ### 2.0.2 — 2026-07-08 Customise widgets on the insight screen so you see what you need to help you budget better! Credit card overspending bug squashed ### 2.0.1 — 2026-07-07 Christmas Saver - We can help you save for christmas, so by the time it comes around you don't have any bill shock and all the gifts are already paid for. Credit card & Split payment transaction bugs fixed ### 1.9.3 — 2026-07-01 Fixed timezone glitches with recurring transactions. Improved graph on category spending trends ## Apps similar to KeepyCash | App | Rating | Price | Category | | --- | --- | --- | --- | | [Tupicoffs](https://appshunter.io/ios/app/tupicoffs/id1509151100) | — | Free | Finance | | [AllowanceKit](https://appshunter.io/ios/app/allowancekit/id6761007578) | — | Free | Finance | | [Budget Envelopes Spend Tracker](https://appshunter.io/ios/app/budget-envelopes-spend-tracker/id6761727851) | 5.0 (2) | Free | Finance | | [RAYN: Calm Debt Tracker](https://appshunter.io/ios/app/rayn-calm-debt-tracker/id6756639303) | 1.0 (1) | Free | Finance | | [Advise Wealth](https://appshunter.io/ios/app/advise-wealth/id1364816265) | — | Free | Finance | | [Pivot Wealth](https://appshunter.io/ios/app/pivot-wealth/id1554819359) | 5.0 (1) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*