Kept: Savings Jars & Goals

KEPT is the money you kept.

JARS. Give every goal its own jar: the holiday, the rainy-day fund, the new laptop. Add money whenever you put some aside, take it out when you spend it, watch the ring fill. Kept works out your pace and tells you roughly when you will get there.

CHALLENGES. The 52-week challenge (1, 2, 3... ends on 1,378), the reversed version for people who start keen, the doubled one, the penny-a-day challenge (667.95 by day 365), or a fixed amount every week for as many weeks as you like. Tap the week you saved; it tells you if you are behind or ahead of the calendar.

NO-SPEND DAYS. Tick a day you spent nothing and build a streak. Current streak, best streak, days this month.

ENVELOPES. Old-fashioned cash-envelope budgeting on your phone: give groceries, fuel, eating out and fun their own amount for the month, log what you spend, see what is left. Copy last month's envelopes in one tap.

SUBSCRIPTION AUDIT. List what you pay for every week, month or year. Switch off the ones you could live without and Kept shows exactly what cancelling saves you a year. That number is usually a surprise.

Everything stays on your phone. No account, no bank connection, no tracking. Copy a backup to move to a new phone. Kept is a tracker, not a bank: the money it counts is money you moved yourself.

A small banner advert keeps Kept free (never a full-screen one, and never while you are typing an amount), and a single Remove Ads purchase turns advertising off forever.