Comparison

Kept vs Secure Budget

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

Secure Budget

Track your spending and manage your budget without linking bank accounts. Log bills, income, and purchases to see where your money goes and if you can afford your goals. Offers detailed analytics and multiple profiles.

Highlights
  • Manual transaction logging
  • Bill and income scheduling
  • Spending analytics by category
  • Multiple budget profiles
  • Data export (JSON/CSV)
  • On-device data storage
Features
Read full description

I built Secure Budget because I was tired of spreadsheets and apps that asked me to link my bank account. I just wanted to know: can I afford this? Am I on track this month? Where does my money actually go? How much spending money do I have? So that's what this app does. You add your bills, set up your income schedule, and log purchases as they happen. The app handles the rest, tracking what's paid, what's coming up, and showing you patterns in how you spend. The home screen gives you the month at a glance. Bills are organized by due date with one-tap payment tracking. Income shows up on your actual pay dates, not some arbitrary monthly estimate. And everything feeds into analytics that actually make sense. Speaking of analytics, there are charts and breakdowns for spending by category, income vs. expenses over time, subscription costs, savings rate, and more. You can toggle views, reorder what matters, and use the app in the way that fits your budget. A few things worth mentioning: - Multiple profiles if you want to track different budgets separately - Dark mode - Export your data anytime as JSON or CSV - Everything stays on your device: no accounts, no cloud, no tracking I use this app myself for my own finances. Updates come from real usage and feedback, not some product roadmap designed by committee. If you've got ideas or run into issues, I actually read the feedback, so please let me know. Terms of Use (EULA): https://geobuilt.dev/terms/ Privacy Policy: https://geobuilt.dev/secure-budget/privacy-ios/

Screenshots

Kept4 screens
Secure Budget4 screens

Verdict

The call

The clearest difference is monetization model: Kept at free against Secure Budget's freemium. Secure Budget's advantage is iOS requirement (13.0 vs 18.6). 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 Secure Budget sells 3 in-app purchases, starting at $0.99 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 Secure Budget. Both are backed by a comparable volume of ratings — 3 and 2 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

UpkeepUpdate frequency

Kept ships an update weekly, Secure Budget every 4 days. Both last shipped on October 31, 2026.

Scorecard2 real differences · 8 level
Kept versus Secure Budget: the parameters behind the verdict, then further details
ParameterKeptSecure Budget
PriceFreeFree
Rating5.0 (3 ratings)5.0 (2 ratings)
Positive reviews100.0% of reviews100.0% of reviews
Number of ratings3 — better2
Update frequencyWeeklyEvery 4 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree — betterFreemium
DevicesiPhone, iPad, Apple WatchiPhone, iPad, iPod
Requires iOS18.613.0 — better
Further details — not scored
Size21 MB32 MB
Age rating4+4+
DeveloperMd Ashikur RahmanGeoBuilt LLC

Customer experience

Kept

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

Secure Budget

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 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
3 purchases

Secure Budget

Subscriptions2
  • Monthly Premium$0.991 Month
  • Annual Premium$9.991 Year
One-time1
  • Lifetime Premium$29.99

Questions

Is Kept free?
Kept is free to download, with in-app purchases available.
Is Secure Budget free?
Secure Budget is free to download, with in-app purchases available.
Which has better reviews, Kept or Secure Budget?
Kept and Secure Budget are both rated 5.0 out of 5 on the App Store, from 3 and 2 ratings respectively.
Do Kept or Secure Budget have ads?
Neither Kept nor Secure Budget shows ads.
Which is updated more often, Kept or Secure Budget?
Kept ships an update weekly, and Secure Budget every 4 days. Most recently, Kept was updated on October 31, 2026 and Secure Budget on October 31, 2026.

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