Comparison

Kept vs Spendra

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

Spendra

Features
Read full description

Make everyday spending easier to see and easier to plan. Spendra is a focused expense tracker for recording purchases, setting a monthly budget and understanding where your money goes — across iPhone, iPad, Mac and Apple Watch. Free, always: • Add, edit, duplicate and delete unlimited expenses. • Organise records with categories, accounts, tags and notes. • See a clear Spending summary and searchable history with useful filters. • Set an overall monthly budget and configure reminders. • Protect access with Face ID or other device authentication. • Create and restore versioned JSON backups, and delete your data at any time. Spendra Pro is an optional monthly, annual or lifetime upgrade that unlocks: • Unlimited receipt scanning with Apple Vision; three useful scans are complimentary. • Full Insights with weekly, monthly and yearly periods, comparisons, charts and category drill-down. • Recurring-expense automation, subscription detection, price-change insights and renewal reminders. • CSV export. • Quick add with Siri and App Intents, from the Mac menu bar, and on Apple Watch. Pricing and any eligible introductory offer are shown in the app before purchase. Restore Purchases is available from the paywall and Settings. If Pro lapses, existing data is never deleted, hidden or made unreadable. Records sync through a private iCloud database. Apple Watch entries transfer to the paired iPhone through WatchConnectivity and then sync; availability depends on pairing and connection. Preferences remain device-local. Choose from the full ISO currency list. Spendra reports each currency separately and does not convert currencies or provide exchange rates. Spendra requires no separate account, does not connect to banks and does not provide financial advice. Camera, device authentication, notifications, Siri, exports and WatchConnectivity depend on device capabilities, permissions and system support. Terms of Use: https://nsdsrinivas.github.io/apps/spendra/index.html#terms-of-use

Screenshots

Kept4 screens
Spendra4 screens

Verdict

The call

The clearest difference is iOS requirement: Kept at 18.6 against Spendra's 26.0. On price, ads, in-app purchases 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 and Spendra sells 6 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

Scorecard1 real difference · 9 level
Kept versus Spendra: the parameters behind the verdict, then further details
ParameterKeptSpendra
PriceFreeFree
Rating5.0 (3 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings3 — better—
Update frequencyWeekly—
AdsNoNo
In-app purchasesYesYes
MonetizationFree—
DevicesiPhone, iPad, Apple WatchiPhone, iPad, Mac, Apple Watch — better
Requires iOS18.6 — better26.0
Further details — not scored
Size21 MB14 MB
Age rating4+4+
DeveloperMd Ashikur RahmanSrinivas Naathireddy

In-app purchases

3 purchases

Kept

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

Spendra

Subscriptions2
  • Spendra Pro Monthly$2.991 Month
  • Spendra Pro Annual$19.991 Year
One-time4
  • Small Tip$0.99
  • Medium Tip$2.99
  • Large Tip$4.99
Show 1 more
  • Spendra Pro Lifetime$49.99

Questions

Is Kept free?
Kept is free to download, with in-app purchases available.
Is Spendra free?
Spendra is free to download, with in-app purchases available.
Do Kept or Spendra have ads?
Neither Kept nor Spendra shows ads.

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