Comparison

Kept vs Flowly

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

Flowly

Features
Read full description

Most budget apps tell you what you spent last month. Flowly tells you what you can spend TODAY. One number. Every morning. Calculated from your monthly budget, your subscriptions, and what you've already spent — so you never have to do the math or feel guilty guessing. TODAY'S LIMIT • A daily spending limit that adapts as the month goes on • Log an expense in two taps with smart categories • Instantly see today, this month, and subscription totals NEVER MISS A RENEWAL • Track all your subscriptions in one place — Netflix, Spotify, iCloud+ and 30+ built-in templates • Free trial tracking with reminders before you get charged • See the true monthly and yearly cost of everything you're signed up for • Pause or cancel states, so your budget always reflects reality BUILD A STREAK • Track your spending daily to grow your streak from Spark to Legendary • Milestone celebrations at 3, 7, 14, 30, 100 days and beyond • Share your streak with friends SEE WHERE IT GOES • NEW: Monthly Recap — your month summarized: total spent, top categories, biggest expense, and how it compares to last month • Share your recap as a beautiful card • Monthly breakdowns by category • Budget alerts before you overshoot, not after • Export everything to CSV anytime ON YOUR HOME & LOCK SCREEN • Widgets show today's limit at a glance • Lock Screen and StandBy widgets — your daily number without unlocking PRIVATE BY DESIGN • Face ID / Touch ID app lock • Your data stays in your iCloud — synced across devices, visible to no one else • No accounts, no ads, no tracking WORKS EVERYWHERE • 20+ currencies • Custom categories, synced via iCloud Flowly is free to use. Flowly Pro unlocks unlimited subscriptions, unlimited custom categories, CSV export, and full Monthly Recap insights — try it free for 7 days. Download Flowly and know what you can spend today. Terms of Use: https://www.sinbalabs.com/app/flowly/terms Privacy Policy: https://www.sinbalabs.com/app/flowly/privacy

Screenshots

Kept4 screens
Flowly4 screens

Verdict

The call

The clearest difference is device support: Kept at 3 against Flowly's 1. Kept also leads on iOS requirement (18.6 vs 26.4). On price, update cadence, ads and in-app purchases 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 Flowly sells 5 in-app purchases, starting at $9.99 per year. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Kept ships an update weekly, Flowly every 2 weeks. The most recent releases landed on October 31, 2026 and October 25, 2026 respectively.

Scorecard2 real differences · 8 level
Kept versus Flowly: the parameters behind the verdict, then further details
ParameterKeptFlowly
PriceFreeFree
Rating5.0 (3 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings3 — better—
Update frequencyWeekly — betterEvery 2 weeks
AdsNoNo
In-app purchasesYesYes
MonetizationFree—
DevicesiPhone, iPad, Apple Watch — betteriPhone
Requires iOS18.6 — better26.4
Further details — not scored
Size21 MB12 MB
Age rating4+12+
DeveloperMd Ashikur RahmanJeyapalan Bavitharan

In-app purchases

3 purchases

Kept

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

Flowly

Subscriptions1
  • Flowly Pro Yearly7 Days trial$9.991 Year
One-time4
  • Small Tip$0.99
  • Medium Tip$4.99
  • Large Tip$9.99
Show 1 more
  • Flowly Pro Lifetime$19.99

Questions

Is Kept free?
Kept is free to download, with in-app purchases available.
Is Flowly free?
Flowly is free to download, with in-app purchases available.
Do Kept or Flowly have ads?
Neither Kept nor Flowly shows ads.
Which is updated more often, Kept or Flowly?
Kept ships an update weekly, and Flowly every 2 weeks. Most recently, Kept was updated on October 31, 2026 and Flowly on October 25, 2026.

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