BudgetArk vs Kept

BudgetArk is a free, private, open-source personal finance app built for people who want control without subscriptions, ads, or account signups. Track your money in one place: - Debt tracking with progress insights - Budget planning by category - Investment projection tools - Flexible currency and locale formatting - Couples-friendly debt ownership and payoff planning Privacy first: - No sign-up required - No cloud account required - Data stored locally on your device - Export and import your data whenever you want Debt tools that help you take action: - Avalanche and Snowball payoff strategies - Separate debt types for smarter Snowball ordering - Owner tags (Mine, Partner, Joint) - Bulk debt type review tools Budgeting made practical: - Fast entry flow with month selection - Categories including Grocery, Restaurant, Tech, Giving, Retirement, and Investing - One-time helper to split older Food entries into Grocery or Restaurant Built with the community: BudgetArk is open source, and your feedback helps shape what comes next. You can suggest feature ideas and improvements through the project repository and support channels. Whether you’re paying down debt, building better habits, or planning long-term wealth, BudgetArk keeps your financial data private and your workflow simple. Issues: let me know at https://github.com/RickeyNet/BudgetArk/issues Feature requests: Suggest ideas at https://github.com/RickeyNet/BudgetArk/discussions

kept is the private, beautifully simple way to track your money - no account, no ads, no bank logins. Just open it and start. Most finance apps want your email, your bank password, and your data. kept wants none of it. Everything stays on your iPhone. LOG EXPENSES IN SECONDS • Add income and expenses with a fast, clean entry screen • Organize with customizable categories and icons • Attach receipts, add notes, tag the date and location • Optional calculator keypad for quick math BUDGETS THAT ACTUALLY HELP • Set weekly, monthly, yearly, or custom budgets • Track multiple categories in a single budget • Gentle alerts at 80% and 100% of your limit • Roll over what you don't spend SEE WHERE YOUR MONEY GOES • A clear dashboard: income, expenses, and net total • Line, bar, and pie charts that make sense at a glance • Category breakdowns and trends over any time frame • Browse by calendar, or search and filter instantly 100% PRIVATE & SECURE • No account, no sign-up, no cloud required • Your data lives on your device - not our servers • Lock the app with Face ID, Touch ID, or a PIN • No ads. No trackers. We never see or sell your data. WORKS EVERYWHERE YOU DO • Home Screen and Lock Screen widgets • Apple Watch app for logging on the go • Daily reminders, budget alerts, and a weekly summary YOUR DATA, YOUR WAY • Optional private iCloud sync across your devices (off by default) • Import from CSV or JSON, export anytime • 27+ currencies supported • Recurring transactions for bills and subscriptions HONEST PRICING kept is free, with no subscription and no paywall. If you love it, an optional Tip Jar supports development - never required. Your money is personal. kept keeps it that way. Download kept and take control of your spending - privately.