Free while in early access
Money,
kept simple.
Kept tracks what comes in and what goes out, then gives you the push to keep more of it: savings challenges built from your own spending, with money off your bill when you win.
- 256-bit encryption
- Read-only access
- Bank connections by Plaid
- Your data is never sold
Care over cash grab
Most money apps show you where it went. Kept helps you keep it.
Tools are only half of it. Kept gives you the push: challenges built from your own spending, a community cheering you on, and money off your bill when you win.
Challenges that fit you
Kept reads your last three months and sets a target that's hard but reachable. Easy, medium or hard: your call.
Rewarded for saving
Win a challenge and money comes off your next Kept bill. We'd rather reward you for keeping money than profit from you forgetting it.
Never sold, never pushed to spend
No ads, no selling your data, no nudges to buy. The only thing Kept pushes is your savings.
Features
Everything you need to feel in control. Nothing you don't.
How it works
Up and running in three steps
Create your account
Takes under a minute. No card required.
Connect your bank
Secure, read-only access through Plaid. We can never move your money.
See it all clearly
Your accounts, spending and goals, updated automatically.
Reviews
People who stopped dreading their bank app
“I finally know where my money goes without feeling judged by an app. It's quiet in the best way.”
“Found three subscriptions I'd forgotten about in the first week. That alone paid for a year of coffee.”
“The savings goal bar is weirdly motivating. It's the first budgeting thing that's actually stuck.”
“Set it up on a Sunday, haven't touched a spreadsheet since.”
“Read-only access was the thing that got me over the line. Nothing can move, it just watches.”
“It doesn't nag. It just shows me the number and lets me decide.”
“My partner and I finally agree on what we spend on takeout. Progress.”
“Clean, calm, and it loads fast. That's honestly all I wanted.”
Ready to keep more of what you earn?
Join early access today. It's free, and it takes less time than checking your balance.