# Spending Tracker: KeepyCash — Money tracker & debt tracker > 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/spending-tracker-keepycash/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 16.4 · 92 MB - Languages: American English - Released: 2026-03-24 - Data updated: 2026-10-11 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/spending-tracker-keepycash/id6760102114/reviews.md ## What is Spending Tracker? Finally! A spending tracker that builds a budget FOR you. Saving money couldn’t be easier. Try for free. No bank link needed. Life’s getting harder! Thank you, Mr Politician. However… Many reports show tracking your spending can save you over $1,000 per year. That’s why I started tracking my money about a decade ago. Hi, I’m James, and I built KeepyCash :) Why? Because the big-name budgeting app I used went up to $109 per YEAR! I wanted to track my spending, clearly see where my money was going… … and stop worrying if I had enough money to pay my (ever-rising) bills. (The cost of living's gone MAD!) With two decades of software engineering under my belt, I had an obvious idea: “I’ll make my own, and make it better and cheaper.” And KeepyCash was born. You can try it for yourself, for free (more on that in a sec). It’s super-easy to use. You can track your spending only… … OR have KeepyCash build a budget FOR you! Yep. If you want a budget, we do it for you. Building a budget yourself can take hours. It can be overwhelming. Because money can get messy. Personally, I’m balancing our income, mortgage, two young kids, car payments and all the other expenses that come with a “full life”. Yet, having a simple budget and an easy way to stick to it helps me stay on top of my finances instead of them spiraling out of control. And talking of easy ways to track your spending… Pick the easiest way for you. There are 4 to choose from: - Type it in - Voice command - Scan a receipt with your camera - Take a screenshot of your bank statement (image is NOT stored - perfect privacy while tracking multiple expenses) Just do what works for you :) Now, about “trying KeepyCash for free”. I noticed many budgeting apps claiming to be free. But they all come with one of these 3 caveats: 1 - You’ll get slammed with ads 2 - It’s free for only 3 days (sometimes up to 7 days - but not long enough to make a difference) 3 - You're locked out of the features you actually want Of course, the fix to each of the above is to pay for some kind of ‘upgrade’. It’s not like that with KeepyCash. We ARE a paid app, because we’re serious about helping. However, you can try us for FREE with NO ads, completely UNRESTRICTED access, and for a FULL 30 DAYS, so you can truly find out if KeepyCash works for you, with no pressure. I thought you’d appreciate being told upfront. I know I would. What Else Can You Do With KeepyCash? - Easily track your spending, so you can keep more of what you earn - Build “tracking streaks” - a fun way to make keeping money addictive - Create a budget so you can give every dollar (or Pound or Euro) a job - Debt Tracker Mode: Use it to track your progress, save money on interest, and become debt-free - Quick-glance spending insights - You don’t need to be an accountant to read our simple charts that show you where your money is going - Overspend alerts that help you stay on track and in control - GuardianMode: Helps protect your money from repeat spending - A load of other simple and useful tools to help you get good with your money A Note About Privacy: We don’t link to your bank account. If the likes of Yahoo and Sony can get hacked, anyone can. Yet, if that happened to KeepyCash, they wouldn’t get their grubby mitts on your bank details because we don’t store them. HA! Suck on that, hackers! You can download KeepyCash right now, for free, and use it to get control of your money. And if you need help using it, I’ll be there to give you a hand. Terms: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy: https://www.keepycash.com/privacy.html Subscription Details KeepyCash is available as a monthly or annual subscription 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 ## 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/spending-tracker-keepycash/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 Spending Tracker ### 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) ### 4.0.3 — 2026-10-07 Performance improvements Better multi-device support Reset Budget - need to start over? No problem - head to settings and tap 'reset budget' to start fresh ### 4.0.2 — 2026-09-30 Fixed recurring transaction bug Fixed 4 weekly display bug ### 4.0.1 — 2026-09-29 DebtMode: Crush your debts with the new debt journey feature. Log micropayments to pay down your debts faster TrackerMode: Don't want to be overwhelmed by budgets? We got you! Just track your spending Voice add: just tell KeepyCash what you spent in your own words, '22.50 at Starbucks for coffee' Statement Scanner: bulk add transactions easily by snapping a photo or sharing a screenshot directly to the app. Easily track your Afterpay / Klarna / Zip payment schedules in your budget. ### 3.5.0 — 2026-09-16 New sleeker UI & colour scheme Find a bug with deleting categories Add income screen - new sliders to make allocating your money even easier! ### 3.1.1 — 2026-09-10 EasyMode improvements Statement scan bugfixes ## Apps similar to Spending Tracker | App | Rating | Price | Category | | --- | --- | --- | --- | | [Aussie IQ](https://appshunter.io/ios/app/aussie-iq/id1327692531) | — | Free | Finance | | [Pay Calculator Australia](https://appshunter.io/ios/app/pay-calculator-australia/id6760187471) | — | Free | Finance | | [ATO Tax Calculator](https://appshunter.io/ios/app/ato-tax-calculator/id629862414) | 5.0 (1) | Free | Finance | | [Arab Bank Australia](https://appshunter.io/ios/app/arab-bank-australia/id967836816) | — | Free | Finance | | [MyBudget Client App](https://appshunter.io/ios/app/mybudget-client-app/id1562177248) | — | Free | Finance | | [WhyLeaveTown](https://appshunter.io/ios/app/whyleavetown/id6465793743) | — | 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 2026-10-11.*