Why Everykept
Built for the question you will be asked later
Plenty of apps will tell you what you spent. This one is built so that, eighteen months from now, you can prove it.
Five decisions that shaped the product
None of these are features exactly. They are the choices underneath the features, and they are why Everykept looks different from the app you are probably comparing it to.
The record
A transaction without its receipt is half a record
Most finance apps treat the bank feed as the truth. It is not: it is a list of amounts and merchant strings. The proof of what you bought, what it covered and what the warranty says lives on a piece of paper that the app never asked you for.
- Receipts attach to the individual charge, not to a month or a folder
- Images are re-encoded, EXIF and GPS stripped, and stored in a private bucket
- PDFs are kept as PDFs, because that is what an invoice usually arrives as
- A standing list of charges with nothing attached, so the gaps are visible
The separation
Your business books should not be a tag on your personal ones
The usual workaround is a tag, a flag or a second account you pay for twice. Neither is how the money actually works: a business has its own accounts, its own categories, often its own currency, and a reporting boundary that must not leak.
- Workspaces are personal or business, each with its own accounts and categories
- Each workspace reports in its own currency, with no silent conversion
- Totals never combine across workspaces, because a combined total is a wrong number
- One login, one password, one place to look — two sets of books
The arithmetic
Paying your credit card is not spending $2,000
Almost every budgeting tool double-counts internal movement until you teach it not to, and most of them make that your job every month. Money moving between accounts you own has not left your hands and should never appear in a spending total.
- Transfer categories arriving from the bank are flagged on the way in
- Either half of a transfer can be paired to its other half
- Paired transfers drop out of both spend and income
- Cash withdrawals can create the matching deposit into a wallet in one step
The restraint
No method to adopt, no ritual to keep up with
Envelope budgeting works for the people it works for, and those people are well served elsewhere. Everykept does not ask you to reallocate anything weekly, does not score your discipline, and does not withhold features until you complete an onboarding course.
- Budgets are a monthly amount per category and a meter, nothing more
- Nothing breaks if you ignore the app for a month
- No streaks, no nudges, no gamification of your own money
- The monthly view is designed to be read in thirty seconds
The business model
You are the customer, not the inventory
A free finance app is usually free because the data is worth more than a subscription would be. Everykept intends to charge for the product once it leaves beta, which is the only arrangement under which the incentives point the same way as yours.
- No advertising network in the product
- No analytics pixel on this website — which is why there is no cookie banner
- No sale or brokering of transaction data
- A read-only bank connection that cannot initiate a payment
Honesty
Who this is not for
Recommending the wrong tool wastes more of your time than saying so plainly.
You want zero-based budgeting
If assigning every dollar a job each month is the practice you want to build, YNAB is genuinely better at it and we would rather you used it.
You need full accounting
Double-entry ledgers, payroll, sales tax filing and invoicing are not here and are not planned. That is what QuickBooks, Xero and Wave are for.
You want portfolio tracking
There is no investment or net-worth tracking today. If watching a portfolio is the main thing you want, this is not the tool.
If the receipt is the part you keep losing
That is the problem Everykept was built for. Free while it is in beta, and you can connect a single account to try it.
Create your account