Kept vs Cedi Tracker
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Fast expense logging
- Customizable budgets
- Visual spending charts
- 100% private and secure
- No account or bank login required
- Optional iCloud sync
- Apple Watch app
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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.
Cedi Tracker
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Take Control of Your Finances with Cedi Tracker Cedi Tracker is a powerful personal finance management app designed specifically for tracking your money. Whether you're managing daily expenses, setting budgets, or analyzing spending patterns, Cedi Tracker makes it simple and intuitive. KEY FEATURES Smart Expense & Income Tracking • Quickly log transactions with customizable categories • Auto-import from MTN Mobile Money and Vodafone Cash SMS • Track both cash and digital wallet transactions • Add notes and receipts to your transactions Budget Management • Set monthly budgets for different spending categories • Real-time budget tracking with visual progress indicators • Get alerts when approaching budget limits • Separate budgets for income and expenses Visual Analytics & Reports • Interactive pie charts and bar graphs • Monthly balance trends and spending breakdowns • Category-wise expense analysis • Export detailed CSV reports for record-keeping Smart Reminders • Daily budget reminders at your preferred time • Never miss tracking important transactions • Customizable notification settings Security & Privacy • Local data storage with Online Backup and Restore Features Modern & Beautiful Design • Clean, intuitive interface inspired by modern finance apps • Dark mode support for comfortable viewing • Smooth animations and transitions • Easy navigation with organized drawer menu Category Management • Pre-loaded common expense categories (Food, Transport, Bills, etc.) • Pre-loaded income categories (Salary, Business, Freelance, etc.) • Create custom categories with unique icons • Edit or delete categories anytime Additional Features • Multi-currency support with Ghana Cedi (GHS) as primary • Dashboard cards for quick financial overview • Transaction search and filtering • Date range selection for detailed analysis • User profile management • Secure app lock with PIN/biometric authentication Built for Ghana Cedi Tracker understands the Ghanaian financial ecosystem with built-in support for Mobile Money services, local spending patterns, and currency formatting. SUPPORT & FEEDBACK Have questions or suggestions? Contact us at support@ceditracker.app PRIVACY We respect your privacy. All your financial data is stored locally on your device. Read our full privacy policy in the app's About section. Download Cedi Tracker today and start your journey to better financial management!
Screenshots
Verdict
The clearest difference is in-app purchases: Cedi Tracker at none against Kept's 3. Cedi Tracker also leads on iOS requirement (16.0 vs 18.6). Kept's advantage is device support (3 vs 1). On price, 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. Kept sells 3 one-off in-app purchases. Cedi Tracker asks for nothing beyond the download.
Both ship on a similar rhythm, roughly weekly. The most recent releases landed on October 14, 2026 and October 20, 2026 respectively.
| Parameter | Kept | Cedi Tracker |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (3 ratings) — better | — |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 3 — better | — |
| Update frequency | Weekly | Weekly |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Free | — |
| Devices | iPhone, iPad, Apple Watch — better | iPhone |
| Requires iOS | 18.6 | 16.0 — better |
| Further details — not scored | ||
| Size | 21 MB | 41 MB |
| Age rating | 4+ | 4+ |
| Developer | Md Ashikur Rahman | Fritz Quaye |
In-app purchases
Kept
- Small Tip$0.99
- Medium Tip$2.99
- Large Tip$4.99
Cedi Tracker
No in-app purchases









