Subscribe together on the same plan and pay for one member fewer: a family of three pays for two, a family of four pays for three.
| Trial 30 days |
Basic SGD 14.99 |
Popular SGD 19.99 |
Premium SGD 24.99 |
|
|---|---|---|---|---|
| Messages per week | 10 | 25 | 50 | 75 |
| PDF statements | 2 / month | Up to 100/month | Up to 100/month | Up to 100/month |
| Voice notes on WhatsApp | ✓ | ✓ | ✓ | ✓ |
| Voice in the web app | 120 min/month | 120 min/month | 120 min/month | 120 min/month |
| 📊 Web app — the accounting system | ||||
| Income statement | ✓ | ✓ | ✓ | ✓ |
| Budget vs actual, trends and allocation | ✓ | ✓ | ✓ | ✓ |
| Review tab | ✓ | ✓ | ✓ | ✓ |
| Balance sheet and net worth | ✓ | ✓ | ✓ | ✓ |
| Chart of accounts and reconciliation | ✓ | ✓ | ✓ | ✓ |
| More than one currency | ✓ | ✓ | ✓ | ✓ |
| Folders and people | ✓ | ✓ | ✓ | ✓ |
| Upload Excel and CSV | ✓ | ✓ | ✓ | ✓ |
| Loans and debts | ✓ | ✓ | ✓ | ✓ |
| 🔐 Privacy | ||||
| AES-256-GCM with a passphrase only you know — switched on whenever you choose | ✓ | ✓ | ✓ | ✓ |
| A separate database per user | ✓ | ✓ | ✓ | ✓ |
| Delete everything at any time | ✓ | ✓ | ✓ | ✓ |
| 👨👩👧👦 Family | ||||
| Pay for one member fewer | — | ✓ | ✓ | ✓ |
No. The free month starts the moment you message us on WhatsApp or sign up in the web app — no card, nothing paid up front.
You pick a plan. The bot tells you when you reach your weekly limit, and you can subscribe then. Your data stays where it is until you decide to delete it.
Yes. Every plan — Basic upward — opens the whole accounting system at app.money-keep.com: income statement, balance sheet, budget vs actual, trends, allocation, chart of accounts, loans, reconciliation and multi-currency. Weekly WhatsApp messages are the only difference between plans.
With your email and a password, or with your Google account. If you already have a WhatsApp account, link your number in Settings and both work off the same data.
MoneyKeep is not limited to a list of banks. The system reads any bank statement — any bank, any country, any currency, in PDF, Excel or CSV.
Encryption is something you switch on, and we say so plainly: until you do, your database sits on our server unencrypted. Once you do, it is locked with a key derived from your passphrase, and we do not store the passphrase, so we cannot open it. The statement file itself is never saved as a file on our server; it is passed to our extraction provider, stays there for 90 days — a period we set on our own mailbox with them — and is then deleted, and we keep the transactions extracted from it. Excel and CSV files are read on our own server and never leave it. The detail is all in the privacy policy.