Lumpsum vs Kept
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Lumpsum
This comprehensive personal finance app helps you manage your money effectively. It offers tools for financial planning, expense tracking, tax calculation, investment in funds, life insurance, and loan options. Get personalized advice to improve your financial health and debt management.
- Financial planning and retirement calculation
- Income and expense tracking
- Tax planning and calculation
- Fund investment and tax reduction
- Life insurance planning
- Loan and debt management advice
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Lumpsum Application แอปพลิเคชันวางแผนการเงินส่วนบุคคลที่ครบถ้วนที่สุด ใช้ง่าย เหมาะกับทุกคน - วางแผนการเงิน (ที่ปรึกษาในทุกช่วงจังหวะชีวิต ให้คุณวางแผนทางการเงินได้ฟรีๆ อีกทั้งยังคำนวณว่าหลังเกษียณควรต้องมีเงินเก็บเท่าไหร่ได้อีกด้วย) - บันทึกรายรับ-รายจ่าย (ลงบันทึกค่าใช้จ่ายประจำวัน เพื่อดูว่าเงินเราใช้จ่ายไปกับอะไรบ้าง และนำไปประกอบการวางแผนการเงินได้ด้วย) - วางแผนภาษี (คำนวณภาษีเงินได้ด้วยตัวเอง) - กองทุน (ลงทุนและออมด้วยการซื้อกองทุน ที่สำคัญลดย่อนภาษีได้ด้วย อีกทั้งยังแนะนำกองทุนที่เหมาะสำหรับคุณได้อีกด้วย) - ประกันชีวิต (ลงทุนระยะยาวเพื่อเป็นมรดกให้คนที่รัก อีกทั้งยังแนะนำประกันที่เหมาะสำหรับคุณได้อีกด้วย) - เครดิตเงินกู้ (แหล่งเงินสำรองในยามจำเป็น แนะนำที่ที่ดอกเบี้ยต่ำที่สุด และเหมาะกับคนมากที่สุด) และที่สำคัญ ในทุกๆฟังก์ชั่นการใช้งานจะมีคำแนะนำที่เหมาะสมให้คุณ เพื่อที่คุณจะได้ทราบว่าต้องใช้เงินอย่างไร ควรซื้อหรือไม่ควรซื้ออะไร และจัดการวางแผนการแก้หนี้สินให้ได้อีกด้วย Lumpsum Application The most complete personal finance planning application, easy to use, suitable for everyone. - Financial planning (Counselors in every rhythm of life For you to plan financially for free And also calculate how much after retirement should be collected) - Record income (Save daily expenses To see what money we spend And can be used for financial planning) - Tax planning (tax calculation by yourself) - Fund (invest and save by buying funds Importantly, reduce the tax as well. And also recommend a fund that is suitable for you as well) - Life insurance (long-term investment to be a legacy for loved ones And also recommend insurance that is suitable for you as well) - Loan (Reserve money when needed Recommend places where the lowest interest And suitable for most people) And most importantly, in every function, there will be suggestions for you. So that you will know how to spend money Should buy or should not buy anything And manage the plan to solve the debt as well
Kept
This app helps you build saving habits with automated features like budget-based transfers, reward-linked savings, and regular contributions. Set financial goals and collaborate with friends to achieve them, or explore investment opportunities.
- Automated savings transfers
- Budget-based excess fund transfer
- Reward-linked savings
- Regular saving schedules
- Goal setting with friends
- Investment plan options
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Sometimes the hardest thing about saving money is just getting started and making it a habit. Kept application is created to help you reach your financial mission with various tailored solutions that perfectly fit your lifestyle. Here are automatic features to help you save effortlessly and effectively! • Set your budget to spend, the excess money will be automatically transferred to kapook Grow to earn higher interest rate • Every time you spend, Kept app will automatically grab money to kapook Fun and enjoy special reward • Save regularly with automatic regular save feature that allows you to save daily, weekly or monthly • Set your saving goals and invite friends to view and save together with kapook Together • Open your wealth opportunity with investment plans you can choose with kapook Kept Invest You will be surprised how Kept can help you meet your goals. Let's Kept!! *Investor should study fund features, condition of returns, and risk before making investment decision **More info, please visit www.keptbykrungsri.com Contact : Bank of Ayudhya PCL. 1222 Rama III Road, Bang Phongphang, Yan Nawa, Bangkok 10120 Thailand
Screenshots
Verdict
The clearest difference is monetization model: Lumpsum at free against Kept's ad-supported. On price, review sentiment, update cadence and ads there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Lumpsum ships an update every 4 weeks, Kept every 3 weeks. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.
| Parameter | Lumpsum | Kept |
|---|---|---|
| Price | Free | Free |
| Rating | — | 3.7 (3 ratings) — better |
| Positive reviews | 45.7% of reviews | 51.0% of reviews — better |
| Number of ratings | — | 3 — better |
| Update frequency | Every 4 weeks | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 14.0 | 14.0 |
| Further details — not scored | ||
| Size | 118 MB | 200 MB |
| Age rating | 4+ | 4+ |
| Developer | Online Asset Company Limited | Bank of Ayudhya Public Company Limited |
Customer experience
Lumpsum
Kept
In-app purchases
Lumpsum
No in-app purchases
Kept
No in-app purchases
