# Kept: Budget Planner & Savings — Expense, bill & goal tracker > Expense, bill & goal tracker (iPhone/iPad app by Ismail Galdi.) - Source: https://appshunter.io/ios/app/kept-budget-planner-and-savings/id6808257161 (this page in markdown: same URL + `.md`) - Developer: [Ismail Galdi](https://appshunter.io/developer/6808257163) - Category: Finance, Productivity - Price: Free - Age rating: 4+ - Requires: iOS 17.0 · 6 MB - Languages: American English, Arabic, French (France), German (Germany), Italian, Japanese, Korean, Brazilian Portuguese, European Spanish - Released: 2026-09-10 - Data updated: 2026-11-06 ## What is Kept? How much can you spend today and still make it to payday, pay your bills and reach your goals? Kept answers with one number, every day. Everything else in your money life sits one tap behind it. SAFE TO SPEND TODAY Your bills, your goals and your next payday are taken out first. What's left is spread over the days ahead. Spend less and tomorrow's number grows. SAVINGS GOALS Save for a trip, a laptop and a safety net at the same time. Kept shows what each needs a month and leaves room for all of them. YOUR MONTH, PLANNED See what's left after bills and goals, the week ahead with every bill and your next payday, and limits for eating out or shopping. Skip a bill for a month with one tap. BILL REMINDERS A note on the morning each bill goes out. INCOME AND SPENDING IN ONE PLACE Add an expense like a text ("coffee 4.50"), by voice or from a receipt. Add freelance work, refunds and gifts too. CALENDAR AND INSIGHTS Every day's spending on a calendar, this month against last, and where the money went. NET WORTH Accounts, savings, cards and loans together. PRIVATE BY DESIGN No bank login, no ads, no account. Everything is worked out on your iPhone and kept in your own iCloud. Export it all to a spreadsheet whenever you like. Also: a home-screen widget, Siri, light and dark themes, and nine languages. ## Is Kept safe? Not enough ratings yet to assess Kept. ## Is Kept legit? Kept: Budget Planner & Savings appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Kept is 65 out of 100 points across 7 verification signals from App Store and developer data. ## Version history (last 5 releases) ### 2.4 — 2026-11-04 Light mode is back: Kept now follows your iPhone. Wealth and Plan are clearer: your net worth at a glance with what's spendable, saved and owed, a total beside each list, how much of a loan is paid off, and one line under each tab saying what it's for. Projects can now be paid from a savings account or from money outside Kept, without touching your daily number. Why this number? Tap the ring to see how today's number is worked out, and what changed since yesterday. Today reads more clearly too: "left of 183 today" under the number, a bigger Add an expense bar, and plain words when you go over. Big dates, planned ahead. Weeks before Christmas, Eid, Lunar New Year or back to school, Kept asks what it will cost and sets a little aside each day. After a big expense, pay it from your emergency fund or spread it out until payday. In Can I afford…?, tap Save for it to plan a purchase for later. Split with friends: only your share counts. Lent or borrowed money? Wealth keeps track. Paid back lets you choose the account, and a loan from before Kept can be added without touching your balances. Apple Pay purchases can log themselves: Settings → Log Apple Pay by itself. A weekly recap sums up your week, and notifications are calmer, never more than one a day. Typing a purchase understands more, receipts scan in all nine languages, and lots of fixes, including "Goal too big" showing by mistake. ### 2.1 — 2026-11-03 New: Projects. Set money aside for one thing, like a renovation, a wedding or a new car, and see what's left as you spend it. Tap New project in Plan, pay for it from a goal or from your everyday money, and tap the project when you add an expense. Its spending never touches your daily number. Going away? Turn on I'm travelling to make it a trip, with dates and a daily amount. Fewer taps everywhere. Today is just today: your number, with when you're next paid right under it, and what you spent. Goals live in Plan. Open a goal and Add money is the first thing you see, and one tap saves it. New account type: Investments. Add your shares, funds or crypto in Wealth. They count in your net worth and never in your daily number. Tap one to update what it's worth. A better widget. The ring now glows like the app, and the wide widget shows your week: seven bars against your daily amount, so a heavy day stands out. When you've gone over, it tells you by how much. New on the Lock Screen: the ring on its own, and a one-line version above the clock. Loans that pay themselves down. When you add a loan in Wealth, enter the monthly payment and the day it goes out. Kept adds it to your bills, takes each payment off what you owe, and tells you roughly when it will be paid off. A clearer Settings page: an icon on every row, both reminders in one place, and your take-home pay shown as 3,400 rather than 3400. The Today tab now shows Kept’s ring as its icon. Kept now always appears in dark mode. Fixed: after updating to 2.0, a goal you could reach before might say "Goal too big". Kept was counting it twice. It's counted once again, and any copy is merged back into one goal. ### 2.0 — 2026-11-02 Trips. When it's time to spend a goal, tap Start trip: pick your dates and, if you're going abroad, the currency and its rate. Kept gives you a daily amount for the trip, kept apart from your money at home, so dinner in Lisbon doesn't touch your number at home. Add expenses in the local currency. When you're back, see what the trip cost and choose where anything left over goes. The widget follows your trip too, with today's trip money and what's left at home. And Today is calmer: the date at the top, no glow, and the green kept for the numbers that matter. Save for several things at once. Add goals for a trip, a laptop or a safety net, each with its own target and, if you like, a date, and watch each one fill up on the Today screen. Your daily number makes room for all of them. Kept now records money coming in, too: a freelance job, a refund, a gift. Switch to Income when you add something, and it lands in your account and shows in Activity. Four tabs now: Today, Plan, Activity and Wealth. Plan shows what's left each month after bills and goals, the week ahead with every bill and your next payday, and your goals. Wealth shows your net worth and every account. Forecast is one tap away inside Plan. Activity has a calendar too: each day shows what you spent and what came in, with the month's total of what you kept. Skipping the gym this month? Tap Skip on any bill in Plan and your daily number goes up at once. Next month it counts again. Set monthly limits for eating out, transport or anything else. Plan shows each one as a bar, with a line for how far into the month you are, so you see early when one runs ahead. New Insights in Activity: how much you've spent since payday compared with the same point last month, your recent months side by side, and where this month's money went by category. Also new: bill reminders on the morning a bill goes out, export everything to a spreadsheet from Settings, and a quicker setup where you tap the bills you pay. ### 1.4 — 2026-10-15 A refreshed look, and a light theme: Kept now follows your iPhone's appearance. The screens are calmer and easier to read, with the ring and today's number where they have always been. "Can I afford…?" is easier to find on the Today screen. The evening reminder now has a "Nothing today" button, so a day without spending takes one tap from the lock screen. Setting up is shorter, and today's spending sits right under the ring. The You tab is gone: how long your money would last is now at the bottom of Forecast. ### 1.3 — 2026-10-13 Kept now speaks nine languages: Spanish, German, Portuguese, Italian, Japanese, Korean and Arabic join English and French. In Arabic the whole app reads right to left. Typing an expense works the way you write: "24,80" is now read as 24.80 rather than 2480, and "hier", "ayer", "gestern", "ieri", "昨日", "어제" and "أمس" are understood as yesterday. Everyday words in your own language, like "courses", "alquiler" or "Miete", are filed under the right category on their own. ## Apps similar to Kept | App | Rating | Price | Category | | --- | --- | --- | --- | | [Quassama - Expenses tracking](https://appshunter.io/ios/app/quassama-expenses-tracking/id6752957774) | — | Free | Finance | | [LHB BizConnect](https://appshunter.io/ios/app/lhb-bizconnect/id6743835518) | — | Free | Finance | | [CIMR DIALCOM](https://appshunter.io/ios/app/cimr-dialcom/id1462677239) | 2.6 (14) | Free | Finance | | [Budjetly: Budget Planner](https://appshunter.io/ios/app/budjetly-budget-planner/id6765464883) | 3.7 (3) | Free | Finance | | [Coins - Spending Tracker](https://appshunter.io/ios/app/coins-spending-tracker/id572886919) | 4.6 (662) | Free | Finance | | [MyRMA](https://appshunter.io/ios/app/myrma/id1578647828) | 1.0 (3) | Free | Finance | ## More apps by Ismail Galdi - [Zonanime](https://appshunter.io/ios/app/zonanime/id6813080463) - [Littlely — Baby Memories](https://appshunter.io/ios/app/littlely-baby-memories/id6816550269) - [FlexAlarm: Shift Alarm Clock](https://appshunter.io/ios/app/flexalarm-shift-alarm-clock/id6817701083) - [Picksy: Spin the Wheel](https://appshunter.io/ios/app/picksy-spin-the-wheel/id6819475705) - [PackWisp: Backpacking List](https://appshunter.io/ios/app/packwisp-backpacking-list/id6820477332) All apps by Ismail Galdi: https://appshunter.io/developer/6808257163 --- *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 2026-11-06.*