The push to actually keep it.
Most money apps stop at showing you where it went. Kept sets you a savings challenge built from your own last three months, hard but reachable, and takes money off your next bill when you win. Easy, medium or hard: your call.
Free while in early access. Read-only bank access, no card required.
Saved with Kept
$412
Gold · 12 days leftKeep dining out under $250
$146 of $250 used
On track · $5 off your bill
Kept together: wins members chose to share.
Why people use it
How Kept helps
Built from your spending
Keep dining out under a number, go two weeks without impulse shopping, or move a set amount into savings. Every target comes from what you actually do.
Rewarded for saving
Win and $2, $4 or $5 comes off your next Kept payment, depending on how hard the challenge was. Miss and it costs you nothing.
Kept together
See what members have kept together, share your wins without your name, and cheer on everyone else's.
How it works
Three steps, then it runs itself
Connect your bank
Kept learns your usual month from your own transactions. Read-only, always.
Pick your challenge
Three at a time, one per difficulty. Shuffle for others, or drop one and try again whenever you like.
Win and keep it
Kept tracks it for you and tells you the moment you've won. The reward waits on your next bill.
Ready to keep more of what you earn?
Join early access today. It's free, and it takes less time than checking your balance.