MoneyKeep — Your Personal Finance Assistant

Why MoneyKeep?

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On WhatsApp — everyday use

Send a statement or ask a question. No app, no signup, nothing new to learn.

⚡

One second

Send your PDF statement — it reads every transaction and categorizes them automatically. No manual entry.

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Ask in plain language

How much did I spend on food? Where is my money going? Compare month to month. Ask anything.

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Encryption is yours to switch on

Turn it on from the link the bot sends and your database is locked with a key derived from your passphrase alone — we hold no copy of it. Until you do, your data sits on our server unencrypted, and we say so rather than letting you assume otherwise.

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Smart categorization

Every transaction is categorised into one of 27 categories the moment it's read. Don't agree? Edit any category manually.

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Smart Coach

Your personal spending coach — flags when spending jumps, spots new patterns, highlights your biggest expenses.

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Budgeting

Auto-budgets based on your actual spending, or set your own limits per category. Get alerts before you overshoot.

🎯

Savings goals

Set a target, track your progress, and watch your savings grow. MoneyKeep shows you exactly how close you are.

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Track debts

Log who owes you what, and what you owe others. Track loans and IOUs simply and clearly.

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Loan calculator

Planning a loan? Tell the bot the amount and term — it shows your monthly payment, total interest, and compares options side by side.

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On the web app — a full accounting system

The same account, deeper: real financial statements built from your own statements, and every figure traces back to its rows.

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Income statement

Your income and expenses for the month, on a cash basis. Every figure is a button — click it and see the exact rows behind it.

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Balance sheet

Assets, liabilities and net worth on any date, with a chart of how your net worth actually moved.

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Review

Everything the app will not decide for you waits in one tab: a transfer we cannot attribute, a row whose description told us nothing, an account type we inferred and you have not confirmed. We propose, you confirm.

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Chart of accounts

Every category has a place in the system: revenue, expense, asset, liability. See them all on one page and fix what is wrong.

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Statement reconciliation

Opening balance + movements = closing balance, checked on every statement. When it does not add up, we tell you which row broke the chain.

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More than one currency

Every amount in the currency the bank gave it, and totals grouped by currency — we never add dinars to baht. Want a single number? Pick a presentation currency and we name the rate's source and date.

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Folders and people

Household and business kept apart. Each person and each account on its own, and every report filters by them.

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Upload Excel or CSV

Not only PDF. Upload a file from your bank or a sheet of your own, map the columns once, and you are done.

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Loans and debts

Register a loan with its terms and every payment splits into principal and interest: principal reduces the debt, only interest reaches the income statement. Money lent to people works the same way — a receivable, not spending.

🌍 Any bank. Any country. Any statement.

MoneyKeep is not limited to a list of banks or countries. The system reads any bank statement — whatever the bank, the country or the currency.
Just send the PDF… we handle the rest.

🌐 Any bank in the world

💱 Any currency

📄 Any statement format