# BudgetArk vs Kept

The clearest difference is in-app purchases: BudgetArk at none against Kept's 3. BudgetArk also leads on iOS requirement (16.4 vs 18.6). Kept's advantage is update cadence (weekly vs monthly). On price, rating, review sentiment and ratings volume there is nothing between them.

Both are free to download. Kept sells 3 one-off in-app purchases. BudgetArk asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 5.0 for BudgetArk against 5.0 for Kept. Both are backed by a comparable volume of ratings — 4 and 3 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

BudgetArk ships an update monthly, Kept weekly. The most recent releases landed on November 5, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | BudgetArk | Kept |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (4 ratings)](https://appshunter.io/ios/app/budgetark/id6760246006/reviews) | [5.0 (3 ratings)](https://appshunter.io/ios/app/kept-budget-and-expense-tracker/id6760608763/reviews) |
| Number of ratings | **4** | 3 |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Monthly | **Weekly** |
| Monetization | Free | Free |
| Size | 54 MB | 21 MB |
| Requires iOS | **16.4** | 18.6 |
| Devices | iPhone, iPad | **iPhone, iPad, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [RICKEY AUSTIN CORNETT](https://appshunter.io/developer/1883445918) | [Md Ashikur Rahman](https://appshunter.io/developer/1885300494) |

## What reviewers say

### BudgetArk

[App page](https://appshunter.io/ios/app/budgetark/id6760246006)

Manage your finances privately with this open-source app. Track debt, plan budgets, and project investments without subscriptions or sign-ups. Your financial data stays on your device.

**Highlights:** Debt tracking with progress insights, Budget planning by category, Investment projection tools, Couples-friendly debt planning, Avalanche and Snowball payoff strategies, Local data storage, Open-source with community feedback

**In-app purchases:** none


### Kept

[App page](https://appshunter.io/ios/app/kept-budget-and-expense-tracker/id6760608763)

A private and simple way to track your money without needing bank logins or an account. Log expenses quickly, create helpful budgets, and visualize your spending with clear charts. Your financial data stays securely on your device.

**Highlights:** Fast expense logging, Customizable budgets, Visual spending charts, 100% private and secure, No account or bank login required, Optional iCloud sync, Apple Watch app

**Features:** Apple Watch app

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Small Tip | $0.99 | one-time |
| Medium Tip | $2.99 | one-time |
| Large Tip | $4.99 | one-time |


## Frequently asked questions

### Is BudgetArk free?

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

### Is Kept free?

Kept is free to download, with in-app purchases available.

### Which has better reviews, BudgetArk or Kept?

BudgetArk and Kept are both rated 5.0 out of 5 on the App Store, from 4 and 3 ratings respectively.

### Do BudgetArk or Kept have ads?

Neither BudgetArk nor Kept shows ads.

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

BudgetArk ships an update monthly, and Kept weekly. Most recently, BudgetArk was updated on November 5, 2026 and Kept on October 31, 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.*