Kesef: Budget App & Expenses

Budget app and expense tracker: your Apple Pay payments log themselves.
Keep track of your spending, split bills with flatmates and log expenses by voice, in 150+ currencies worldwide.
Free, fast and effortless.

Kesef is a simple yet powerful budgeting and personal finance app: log expenses and income, set budgets by category, keep an eye on your subscriptions and see where your money goes, even if you use more than one currency. Customise the app your way!

EXPENSES THAT LOG THEMSELVES
• Apple Pay: pay in a shop with your iPhone and the expense is logged, with amount and merchant. Set it up once with Shortcuts (iOS 17 or later).
• Mercado Pago auto-logging is also available in Argentina, Brazil, Chile, Colombia, Mexico, Peru and Uruguay.

VOICE, SHORTCUTS AND WIDGETS
• Say everything you spent today in one go and Kesef understands you and sorts each expense into its category, like magic.
• Log an expense with Siri, Shortcuts, the Action button or a double tap on the back of your iPhone, without opening the app.
• Widgets, tags and daily streaks to keep the habit going.

CHAT WITH YOUR DATA
Ask Kesef where you spent the most or how you could save, and get the answer with your own numbers.

GROUPS AND SHARED COSTS
Split the rent, a holiday or a dinner and always know who owes whom.
• Equally, by percentage, by shares or by exact amounts
• Add people who don't have Kesef yet and invite them later with a link or code
• Kesef simplifies debts into the fewest possible transfers
• Only your share counts as your expense
Groups are optional and free for everyone.
Split costs with your partner, flatmates, friends, or anyone you like!

INSTALMENTS, RECURRING BILLS AND SUBSCRIPTIONS
• Instalment purchases: log them once and Kesef places each payment in its month.
• Rent, bills, subscriptions and your salary are created automatically every month.

MULTI-CURRENCY
Log in 150+ currencies with automatic conversion to your main currency. Ideal for travelling or if you earn in one currency and spend in another.

BUDGETS AND STATS
Set a budget per category and follow your progress in real time. See your monthly spending in clear charts and compare periods. With Pro: detailed insights and an end-of-month balance forecast.

PRIVACY AND SECURITY
• Your transactions are stored on your mobile and you can log expenses offline.
• No account needed to start. The account is optional and free: use it to sync devices and join groups.
• We never ask for your bank password.
• Face ID lock.
• The free version includes ads; Kesef Pro removes them.

EXPORT AND IMPORT
Import your history from another app with an Excel file and export your transactions to CSV, JSON or Excel.

IN YOUR LANGUAGE
Native iOS design with light and dark mode, in 50+ languages. Optional daily reminder so you never forget to log.

PERFECT FOR
- Anyone who wants to organise their money without the hassle
- Flatmates, couples and friends who share costs
- People who handle several currencies (GBP, EUR, USD, I