Comparison

Kept vs Spendi

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Kept

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
Read full description

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.

About

Spendi

Effortlessly manage your finances by logging expenses, setting budgets, and tracking subscriptions. Gain visual insights into your spending habits and upcoming payments. This app prioritizes your privacy with no ads or account requirements.

Highlights
  • Quick expense logging
  • Subscription and recurring payment tracking
  • Smart budgeting with progress indicators
  • Visual spending insights with charts
  • Upcoming payment reminders
  • Home and Lock Screen widgets
  • iCloud sync across devices
Features
Read full description

Spendi puts you in control of your money. Log expenses in seconds, set budgets, track your subscriptions and see where your money goes at a glance. No ads, no tracking, no account needed. A WHOLE NEW SPENDI Redesigned from the ground up to fit the Liquid Glass look. A floating tab bar that shrinks as you scroll, clearer cards and a smoother experience on every screen. FEATURES • Quick Logging — Enter transactions in seconds with the built-in keypad, category picker and notes. • Subscriptions and Recurring Payments — From streaming to rent, see all your regular payments in one place. Get a reminder before each renewal, and keep track of free trials, pauses and end dates. • Income Tracking Is Up to You — Track income and expenses together, or just your spending. • Smart Budgets — Set daily, weekly, monthly or yearly budgets, overall or by category, and follow your progress with clear indicators. • Visual Insights — See your weekly, monthly and yearly spending with interactive charts and category breakdowns, and how it compares with the previous period. • Upcoming Payments — See what's coming at a glance and plan ahead. • Widgets — Keep an eye on your budget and recent spending from the Home Screen and Lock Screen without opening the app. • iPhone, iPad and iPhone Duo — A wide layout on iPad. On iPhone Duo, two pages when unfolded and a tab rail along the edge when folded. • 45 Languages — Change Spendi's language right in the app, independent of your device. Dates, currencies and percentages follow each language's own format. • iCloud Sync — Your data stays in sync across all your devices automatically. • Family Sharing — Share Spendi Pro with up to five family members through Family Sharing, at no extra cost. • Fully Customizable — Currency, symbol position, number format, keypad and theme are your choice. • Demo Mode — Explore every feature with sample data before you start. • Privacy First — Your financial data stays on your device and in your own iCloud account. No ads, no tracking, no account required. Whether you want to stop overspending, save for a goal or simply understand your habits, Spendi makes it effortless. Terms of Use: https://spendi.mucahitk.com/en/terms Privacy Policy: https://spendi.mucahitk.com/en/privacy

Screenshots

Kept4 screens
Spendi4 screens

Verdict

The call

The clearest difference is monetization model: Kept at free against Spendi's freemium. On price, rating, review sentiment and ratings volume 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Kept sells 3 one-off in-app purchases and Spendi sells 4 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for Kept against 5.0 for Spendi. Both are backed by a comparable volume of ratings — 3 and 6 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly weekly. The most recent releases landed on October 31, 2026 and November 5, 2026 respectively.

Scorecard1 real difference · 9 level
Kept versus Spendi: the parameters behind the verdict, then further details
ParameterKeptSpendi
PriceFreeFree
Rating5.0 (3 ratings)5.0 (6 ratings)
Positive reviews100.0% of reviews100.0% of reviews
Number of ratings36 — better
Update frequencyWeeklyWeekly
AdsNoNo
In-app purchasesYesYes
MonetizationFree — betterFreemium
DevicesiPhone, iPad, Apple Watch — betteriPhone, iPad
Requires iOS18.618.6
Further details — not scored
Size21 MB25 MB
Age rating4+4+
DeveloperMd Ashikur RahmanMucahit KOKDEMIR

Customer experience

Kept

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Spendi

All ratings8 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

3 purchases

Kept

One-time3
  • Small Tip$0.99
  • Medium Tip$2.99
  • Large Tip$4.99
4 purchases

Spendi

Subscriptions2
  • Spendi Pro (Monthly)$2.991 Month
  • Spendi Pro (Yearly)14 Days trial$19.991 Year
One-time2
  • Spendi Pro – Lifetime$14.99
  • Spendi Pro – Lifetime$29.99

Questions

Is Kept free?
Kept is free to download, with in-app purchases available.
Is Spendi free?
Spendi is free to download, with in-app purchases available.
Which has better reviews, Kept or Spendi?
Kept and Spendi are both rated 5.0 out of 5 on the App Store, from 3 and 6 ratings respectively.
Do Kept or Spendi have ads?
Neither Kept nor Spendi shows ads.
Which is updated more often, Kept or Spendi?
Kept ships an update weekly, and Spendi weekly. Most recently, Kept was updated on October 31, 2026 and Spendi on November 5, 2026.

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