# Kept vs Xavier

The clearest difference is in-app purchases: Xavier at none against Kept's 3. Kept's advantage is device support (3 vs 1) and iOS requirement (18.6 vs 26.0). On price, update cadence and ads there is nothing between them.

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

Kept ships an update weekly, Xavier every 9 days. The most recent releases landed on October 14, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Kept | Xavier |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (3 ratings)](https://appshunter.io/ios/app/kept-budget-and-expense-tracker/id6760608763/reviews)** | — |
| Number of ratings | **3** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Weekly** | Every 9 days |
| Monetization | Free | — |
| Size | 21 MB | 39 MB |
| Requires iOS | **18.6** | 26.0 |
| Devices | **iPhone, iPad, Apple Watch** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Md Ashikur Rahman](https://appshunter.io/developer/1885300494) | [Terrence Sng](https://appshunter.io/developer/6785018263) |

## What reviewers say

### 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 |


### Xavier

[App page](https://appshunter.io/ios/app/xavier-expense-tracker/id6787694073)

**In-app purchases:** none


## Frequently asked questions

### Is Kept free?

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

### Is Xavier free?

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

### Do Kept or Xavier have ads?

Neither Kept nor Xavier shows ads.

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

Kept ships an update weekly, and Xavier every 9 days. Most recently, Kept was updated on October 14, 2026 and Xavier on October 24, 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.*