Kepta: Left to Spend

Kepta answers one question: what is actually left to spend this month? Not what you earned. What is left after the rent, the dues, the bills and the subscriptions that leave your account whether you think about them or not. WHAT IS LEFT, ON THE FRONT PAGE Your regular payments come off your income before anything else, so the number on the home screen is the number you can spend. A daily pace tells you whether you are ahead or behind, without doing the arithmetic yourself. TWO SECONDS TO LOG Type it the way you would say it — "coffee 4.50" — and Kepta reads the amount, the merchant and the category out of one line. Or say it out loud. Or log it from the Home Screen widget, the Lock Screen, Control Centre, Siri or Spotlight, without opening the app at all. YOUR HOME AND YOUR CAR Rent, building dues, electricity, water, internet: add them once and Kepta counts them every month and reminds you before each one. Your car gets the same page — fuel or charging, insurance, inspection, service and fines — with consumption worked out from your own fill-ups. WHO YOU SPEND ON Tag a transaction with a person and the report breaks the month down by household member, on top of the usual categories. A school fee stays Education and goes to your child. STATEMENTS AND RECEIPTS Import the PDF your bank emails you, or a CSV export. Anything you already logged by hand is matched, not duplicated. Scan a fuel receipt and the amount, the litres and the merchant come off the photo. TOLD BEFORE IT COSTS YOU The morning a subscription is charged. The day before a bill or an instalment. Weeks before your insurance or inspection runs out. Three days and one day before a free trial ends, while you can still cancel. PRIVATE BY CONSTRUCTION There is no Kepta account and no Kepta server. Your ledger lives in your own private iCloud database, and nobody has a key but you. Kepta never asks for your online banking. No tracking SDK is in this app — not a reduced amount of tracking, none.