Keept
Privacy-first budgeting for expats. No bank login needed.
Keept is a privacy-first personal finance app built for expats, freelancers, and digital nomads. Your financial data stays on your device. No bank connection needed. If you sync between devices, everything is end-to-end encrypted (AES-256-GCM). Supports 125+ currencies with real-time exchange rates. Works offline. Free to start, Premium at $59.99/year (half what YNAB charges).
Features
- Local-first storage: your data never leaves your device
- 125+ currencies with real-time exchange rates
- No bank connection or third-party access required
- End-to-end encrypted cloud sync (AES-256-GCM)
- Works offline
- Budgets with spending alerts
- CSV, Excel and PDF import with AI enhancement
- Dark and light mode
- Web app + iOS (Android coming soon)
Use Cases
Expat managing expenses in multiple currencies across countries
Freelancer tracking income and expenses without sharing bank credentials
Privacy-conscious user who wants financial data stored locally, not in the cloud
Digital nomad who needs a budget app that works offline
Couple sharing a household budget across different currencies
Comments
I built Keept because I moved abroad and realized every budget app either requires a US bank connection or wants my financial data on their servers. Keept keeps your data on YOUR device. No bank login, no third-party access. If you sync between devices, everything is end-to-end encrypted. It supports 125+ currencies with real-time exchange rates, works offline, and costs half what YNAB charges ($59.99/yr, or free forever for core features). Built for expats, freelancers, and anyone who cares about financial privacy.
The local-first approach is a strong trust signal, especially for the expat audience who are often forced to share bank credentials with apps that operate under different jurisdictions. The 125+ currency support with real-time rates is a genuine differentiator over YNAB and similar tools that treat multi-currency as an afterthought. One question: for couples sharing a household budget across currencies, how does the E2E encrypted sync handle conflict resolution when both people edit the same budget offline?
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Comments
I built Keept because I moved abroad and realized every budget app either requires a US bank connection or wants my financial data on their servers. Keept keeps your data on YOUR device. No bank login, no third-party access. If you sync between devices, everything is end-to-end encrypted. It supports 125+ currencies with real-time exchange rates, works offline, and costs half what YNAB charges ($59.99/yr, or free forever for core features). Built for expats, freelancers, and anyone who cares about financial privacy.
The local-first approach is a strong trust signal, especially for the expat audience who are often forced to share bank credentials with apps that operate under different jurisdictions. The 125+ currency support with real-time rates is a genuine differentiator over YNAB and similar tools that treat multi-currency as an afterthought. One question: for couples sharing a household budget across currencies, how does the E2E encrypted sync handle conflict resolution when both people edit the same budget offline?
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