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A desk covered in bills, receipts, a notebook of sums and a calculator — the month before you can see what you kept A printed Money Pulse on a clear desk: July closed $9,339 up
The Kept Savings Money Pulse screen: what this household kept this month, with money in and money out underneath
Money Pulse — what you kept this month.

See what you kept. Then keep more of it.

Statements in. One honest number out — what this household actually saved, month after month. No bank logins.

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Sound familiar?

Two salaries, a joint account, a few cards — and no idea if you’re getting ahead.

Every month some of it should stay. When the money lives across different banks, different apps, different logins, you never see whether savings are actually growing.

  • Money in lots of places

    Everyday accounts, savers, credit cards, the offset. Each app shows its own slice — nothing shows the household.

  • It’s joint, and it’s fuzzy

    You each see your own transactions. Nobody sees the whole picture, so the “how are we actually going?” chat never has real numbers in it.

  • Budgeting apps didn’t stick

    Connect your banks, fix the categories, do the weekly homework… you gave it a fortnight. Kept asks for none of that.

How it works

Three steps. No bank logins.

  1. Add your statements

    Download the PDF or CSV statements you already get from your banks and drop them into Kept. That’s the whole setup.

  2. Kept reads every line

    Every transaction is read, categorised and reconciled automatically. Transfers between your own accounts cancel out, so nothing is double-counted.

  3. See what you kept

    Money in, money out, and the number that matters — what you saved — so you can keep a little more next month.

The app

This is Kept Savings. Demo screens, same as the live app.

Click a screen — or its caption — to walk the story.

Why you can trust the number

No guesses. Just your statements.

Kept doesn’t estimate and it doesn’t sync mystery feeds. Every figure traces back to a line on a statement your bank printed — if Kept shows a number for the month, the transactions that made it so are right there underneath.

  • No bank passwords. Kept never asks you to connect a bank login — statements are all it needs.
  • Every number is traceable. Click any figure and see the statement lines behind it.
  • Made for Australian households. Built around the statements Australian banks actually send.

Know what you kept.

Try the live demo. Sign-in is invite-only. No bank logins.

Try the demo Sign in (invite required)