Kept: Expense & Budget Tracker

Kept is a money tracker for iPhone and Apple Watch built around one idea: an entry should take two taps, not a form. FAST ENTRY • The keypad, your categories and the day's total live on one screen • Type the amount, tap a category — the entry is saved • Need details? Long-press to open the full form with account, date, note and tags • Deleted or edited by mistake? Undo brings it back, even several times in a row • Built-in calculator keys for splitting a bill on the spot • Stays fast even with years of history CARD PAYMENTS THAT LOG THEMSELVES • Set up a Wallet automation in Shortcuts once — every Apple Pay purchase arrives in Kept as a pending entry • Merchant and card are filled in, and the category comes from your last purchase there • Payments land in the account named like the card, and if you move one, Kept remembers your choice • A new merchant waits for you to pick a category — no wild guesses • Confirm in one tap, or edit before confirming APPLE WATCH, SIRI, CONTROL CENTER • Quick entry from your wrist, today's and this month's totals for every account • Complications keep the totals on your watch face • Entries with a category are confirmed right away, with a few seconds to undo • “Add expense in Kept” with Siri and Shortcuts • Siri and the Action button on Apple Watch: log a purchase without reaching for your iPhone • A new entry button in Control Center ACCOUNTS AND CURRENCIES • Card, cash, savings — as many accounts as you need • Every account keeps its own currency, amounts are entered in that currency • Exchange rates load automatically; the total balance is converted for you • Transfers between accounts, even across currencies: the rate fills in an estimate, or enter what actually arrived • Merge two accounts: entries, rules and card links move over and the balances add up • Keep a stash out of your total balance and widgets • Pin the currencies you watch and convert any pair in the built-in calculator SEE WHERE MONEY GOES • Calendar with a total for every day • History with search, filters by period and account, and sorting • Where you spend: which stores and places take the most, with your average purchase • Category breakdown, cash flow and balance trend: this month, last month, 3 months, a year or any range • Compare months or weeks on the same days, with pace and a forecast • Budgets by category or for all spending, with your pace and a daily allowance • Budgets show past months and spending planned for later • Start the month on payday and choose the first day of the week • Recurring entries for rent, subscriptions and salary • Receipt photos attached to any entry WIDGETS • Total balance with a button that hides the amount • Exchange rate for the pair you choose • Income, expenses and top categories for the month • Quick entry: tap a category and the app opens ready for the amount • Lock Screen widgets for balance, rate and the month YOURS ONLY • Everything is stored on your iPhone • Optional iCloud sync between your own devices • Passcode with Face ID, and the app blurs itself in the app switcher • No accounts, no ads, no analytics, nothing collected • Works with VoiceOver, Dynamic Type and haptic feedback IMPORT AND BACKUP • Import and export CSV, compatible with Spent • Full backup to a file you control, receipts included — open it straight from Files, Mail or AirDrop • The app keeps earlier versions of your data before replacing or erasing it • A gentle reminder when it's been a month since your last backup