# Lumpsum vs Kept

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.

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.

## The numbers

| Metric | Lumpsum | Kept |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[3.7 (3 ratings)](https://appshunter.io/ios/app/kept-saving-with-your-style/id1473826356/reviews)** |
| Number of ratings | — | **3** |
| Positive reviews | 45.7% of reviews | **51.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 weeks | **Every 3 weeks** |
| Monetization | **Free** | Ad-supported |
| Size | 118 MB | 200 MB |
| Requires iOS | 14.0 | 14.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Online Asset Company Limited](https://appshunter.io/developer/525691330) | [Bank of Ayudhya Public Company Limited](https://appshunter.io/developer/563457790) |

## What reviewers say

### Lumpsum

[App page](https://appshunter.io/ios/app/lumpsum/id1458064062)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none


### Kept

[App page](https://appshunter.io/ios/app/kept-saving-with-your-style/id1473826356)

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.

**Highlights:** Automated savings transfers, Budget-based excess fund transfer, Reward-linked savings, Regular saving schedules, Goal setting with friends, Investment plan options

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Lumpsum free?

Lumpsum is free to download, with no in-app purchases.

### Is Kept free?

Kept is free to download, with no in-app purchases.

### Do Lumpsum or Kept have ads?

Neither Lumpsum nor Kept shows ads.

### Which is updated more often, Lumpsum or Kept?

Lumpsum ships an update every 4 weeks, and Kept every 3 weeks. Most recently, Lumpsum was updated on November 2, 2026 and Kept on November 3, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*