Comparison

Kept vs TapExpense

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

TapExpense

Features
Read full description

TapExpense is the expense tracker built for people who just want to log a purchase and get on with their day — no account, no sign-up, no ads, no network required. Every expense stays on your device, in a real local database, from the very first tap. LOG AN EXPENSE IN 5 SECONDS Tap the + button and the amount field is already focused with the keypad up. Type an amount, pick a category and payment method from single-tap chips, save — done. Titles are optional; untitled expenses show their category. As you type, TapExpense suggests titles learned from your own history, and accepting one prefills the amount, category and payment method in a single tap — every field stays editable if it guessed wrong. That runs entirely on-device: no AI service, no cloud model, no network call. It is a deterministic ranking of your own history by recency, frequency and time of day — fast, predictable and private. YOUR DATA NEVER LEAVES YOUR DEVICE • Fully functional offline — always, everywhere, no exceptions • No account, no sign-up, no email required • No ad SDKs, no trackers, no analytics of any kind • Optional Face ID / Touch ID lock with PIN fallback • Optional blur for amounts in the app switcher • Export to CSV or JSON any time, free — your data is never held hostage SEE WHERE YOUR MONEY GOES The dashboard centers on one number: what you spent today, this week, this month, this year or all time, with a chart shaped to match. Tap a bar to filter the list to that period. Reports add a category breakdown, a payment-method breakdown, a six-period trend and month-over-month deltas that name your biggest mover. Every figure is computed on-device. FASTER THAN OPENING THE APP • Home Screen and Lock Screen widgets, including an interactive "log it again" widget that saves your most frequent expense in one tap, without launching the app • Siri and Apple Shortcuts: "Log an expense in TapExpense", get your period total, open Quick Add, search expenses, or undo the last entry • A guided Apple Wallet automation, so an Apple Pay tap can hand the merchant and amount straight to TapExpense MULTIPLE PROFILES Keep personal, business or shared spending in fully separate profiles, each with its own categories, payment methods, currency and learned suggestions. Switch in one tap. BACKUP AND RESTORE, ON YOUR TERMS Create an encrypted backup (AES-256-GCM) protected by your own passphrase, and preview exactly what a restore will change before anything is applied. Restores merge safely by ID, so you never lose data by mistake. Schedule automatic backups and optionally keep them in your own iCloud Drive — TapExpense never sees your files. OPTIONAL NOTION SYNC Mirror your expenses into your own Notion database as you log them. Entirely opt-in, with zero effect on the app if you never turn it on. FREE VS. PRO Unlimited expenses, up to 20 categories, one profile, current-month reports, CSV/JSON export and full backup/restore are free — permanently, with no trial period and no nagging. TapExpense Pro adds unlimited profiles, full history and every reporting period, advanced filters, every widget and automation, and Notion sync. Backup and export stay free either way — that line never moves. No accounts. No ads. No trackers. Just a fast, private way to know exactly where your money goes. Terms of Use: https://tap-expense.com/terms/

Screenshots

Kept4 screens
TapExpense4 screens

Verdict

The call

The clearest difference is in-app purchases: TapExpense at none against Kept's 3. TapExpense also leads on iOS requirement (15.0 vs 18.6). On price, update cadence, ads and device support 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. TapExpense asks for nothing beyond the download.

UpkeepUpdate frequency

Kept ships an update weekly, TapExpense every 9 days. The most recent releases landed on October 14, 2026 and October 25, 2026 respectively.

Scorecard2 real differences · 8 level
Kept versus TapExpense: the parameters behind the verdict, then further details
ParameterKeptTapExpense
PriceFreeFree
Rating5.0 (3 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings3 — better—
Update frequencyWeekly — betterEvery 9 days
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree—
DevicesiPhone, iPad, Apple WatchiPhone, iPad, iPod
Requires iOS18.615.0 — better
Further details — not scored
Size21 MB46 MB
Age rating4++4
DeveloperMd Ashikur RahmanAshutosh Gupta

In-app purchases

3 purchases

Kept

One-time3
  • Small Tip$0.99
  • Medium Tip$2.99
  • Large Tip$4.99
None

TapExpense

No in-app purchases

Questions

Is Kept free?
Kept is free to download, with in-app purchases available.
Is TapExpense free?
TapExpense is free to download, with no in-app purchases.
Do Kept or TapExpense have ads?
Neither Kept nor TapExpense shows ads.
Which is updated more often, Kept or TapExpense?
Kept ships an update weekly, and TapExpense every 9 days. Most recently, Kept was updated on October 14, 2026 and TapExpense on October 25, 2026.

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