๐Ÿ  Free forever. No catch.

Your money.
Kept.

No subscriptions. No bank connections. No data collection. Your finances stay on your device, always. Free forever.

100% free ยท No account required ยท Works offline ยท No signup ever
Your data never leaves your device No subscriptions ever No bank connections
MoneyKept โ€” Dashboard
Dashboard
Add Expense
Expenses
Budget Goals
Reports
Debt Tracker
Income
Settings
Expected income
$5,200
Total spent
$2,840
Projected end
$2,360
Budget used
54%
Cumulative spending
Spending by category
$0
Forever. No subscription.
100%
Private. Data stays on your device.
0
Bank connections required

Built by a regular person for regular families

I was paying $15 a month for a budgeting app. It connected to my bank. It tracked my spending. And somewhere in the fine print, it was selling my financial data to advertisers.

I got fed up. My family needed a way to track our budget, see our debt, and understand where our money was going every month. We didn't need an app that profited from our financial struggles.

"So I built one. For my family. For free. And then I decided to share it."

MoneyKept is what I wish had existed. No subscription. No bank connection. No data collection. Your financial information stays on your device โ€” always. Not on our servers. Not sold to anyone. Yours.

It's free today. It'll be free tomorrow. That's not a marketing line โ€” it's the whole point.

Everything your family needs.
Nothing you don't.

๐Ÿ’ฐ
Smart income tracking
Add each earner's salary and pay dates. MoneyKept projects your month-end balance so you're never caught off guard mid-month.
๐Ÿ“Š
Powerful reports & charts
See spending by category, monthly trends, income vs expenses โ€” all in beautiful charts that actually help you understand your money.
๐Ÿ’ณ
Debt payoff tracker
Add your debts and see exactly when each one will be paid off. Watch your net worth grow as balances drop. Most paid apps don't even have this.
๐ŸŽฏ
Budget goals
Set monthly spending targets per category. Progress bars show you exactly where you stand before you overspend.
๐Ÿ”„
Recurring expenses
Mark bills as recurring and they auto-add every month. Set it once and MoneyKept handles the rest.
โš™๏ธ
Fully customizable
Add custom categories, family member profiles, and hide anything you don't use. MoneyKept fits your family โ€” not the other way around.
๐Ÿ“ฑ
Every device you own
Works on every device you own โ€” iPhone, Android, Mac, Windows, and Linux. Open it in any browser and it just works.
๐Ÿ“ฅ
Export to CSV
Download all your expenses as a spreadsheet anytime. Your data is always yours to take wherever you want.

Why MoneyKept?

Feature MoneyKept Most budget apps
Monthly cost$0 forever$10โ€“15/month
Bank connection requiredโœ“ Never requiredโœ— Usually required
Sells your dataโœ“ Neverโœ— Often
Works offlineโœ“ Alwaysโœ— Sometimes
Debt payoff timelineโœ“ Built in, freeโœ— Paid feature
Income projectionโœ“ Built in, freeโœ— Rare
Custom categoriesโœ“ Unlimited, freeโœ— Limited or paid
Export your dataโœ“ CSV anytimeโœ— Paid feature
Account requiredโœ“ Neverโœ— Always
Works on iPhone & Androidโœ“ Yes, freeSometimes

What families are saying

โ˜…โ˜…โ˜…โ˜…โ˜…
"Finally a budget app that doesn't make me feel like the product. Clean, simple, and actually free. My wife and I have been using it every week."
โ€” Sarah M., mom of 3
โ˜…โ˜…โ˜…โ˜…โ˜…
"The debt payoff tracker alone is worth it. I can see exactly when my car loan will be paid off and it actually motivates me to make extra payments."
โ€” James T., family of 4
โ˜…โ˜…โ˜…โ˜…โ˜…
"I cancelled my Mint subscription the same day I found this. Does everything I needed and more โ€” and my bank info stays on my computer."
โ€” Maria L., single parent
* Early testimonials from beta users and family testers

Start building your
financial foundation

Free forever. No account. No credit card. Just open and go.

๐Ÿš€ Launch MoneyKept Free
Works in any browser ยท No download required ยท Your data stays on your device

Stay in the loop

One email a month when MoneyKept updates. Real talk about family finances. No spam. No selling your address. Unsubscribe anytime.

โ˜• Buy me a coffee