Free while in early access

Money,
kept simple.

Connect your bank once and Kept quietly tracks what comes in, what goes out, and how close you are to the things you're saving for.

  • 256-bit encryption
  • Read-only access
  • Bank connections by Plaid
  • Your data is never sold

How it works

Up and running in three steps

01

Create your account

Takes under a minute. No card required.

02

Connect your bank

Secure, read-only access through Plaid. We can never move your money.

03

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.
JJordan · Nurse, Austin
Found three subscriptions I'd forgotten about in the first week. That alone paid for a year of coffee.
PPriya · Designer, Toronto
The savings goal bar is weirdly motivating. It's the first budgeting thing that's actually stuck.
MMarcus · Teacher, Denver
Set it up on a Sunday, haven't touched a spreadsheet since.
EElena · Freelancer, Lisbon
Read-only access was the thing that got me over the line. Nothing can move, it just watches.
SSam · Engineer, Seattle
It doesn't nag. It just shows me the number and lets me decide.
AAisha · Physio, Manchester
My partner and I finally agree on what we spend on takeout. Progress.
DDiego · Chef, Chicago
Clean, calm, and it loads fast. That's honestly all I wanted.
HHana · Student, Vancouver

Ready to keep more of what you earn?

Join early access today. It's free, and it takes less time than checking your balance.

Kept

A calm place to see where your money goes and keep more of it.

Important disclosures

Kept is a personal finance tool, not a bank, broker, or financial adviser. Kept does not hold, move, or have the ability to move your money. Nothing in the app is financial, legal, or tax advice.

Bank connections are provided by Plaid Inc. and are read-only. When you connect an account, you agree to Plaid's end-user privacy policy. Balances and transactions come from your bank and may be delayed or incomplete. Always confirm figures with your bank before making decisions.

Recurring-charge detection and savings projections are estimates generated automatically and may be wrong. Kept never sells your personal data. See our Privacy Policy and Terms of Service for full details.

© 2026 Kept. All rights reserved.

Plaid is a trademark of Plaid Inc. Kept is not affiliated with any bank.