Two people, one set of numbers. No bank login, ever.

Kesto gives a couple one shared budget that lives on both phones at once. Log a spend in about three seconds, and what is left updates for both of you immediately. Nobody has to ask, nobody has to remember, and nobody finds out at the end of the month.

WHY COUPLES USE IT

Money goes missing between two people in small amounts nobody remembers approving: coffees, parking, a supermarket run each. Agreeing on a limit once is easy. Seeing where you stand every time you pick up your phone is what actually changes anything.

WHAT YOU GET

• One plan, both phones. Groceries $520 a month, Outings $90 a week: each budget refills on its own rhythm, and you both see the same remaining amount the moment it changes.
• The number you actually want, first. Home opens on what is left once the bills still to come are out of it, and reads it against the day: level with the date, ahead of it, or spending faster than the days pass.
• Three-second logging. Tap the budget, type the amount, done. Categories, notes and photos are there when you want them and never required.
• Bills counted first. Rent, energy, insurance and subscriptions come off the top before anything is called spendable, each one showing what it really costs you in a year.
• A straight answer before you spend. Type an amount and Kesto answers from the actual plan: what it leaves, and whether the month still reaches payday.
• Home screen widgets. What is left, before you even open the app.
• Live partner updates. One of you logs a spend, the other gets a notification with the new number.
• Where it went. By budget, by category, and by which of you spent it. No blame, just the number.
• Moments. Name a weekend away or a party, and every spend from both of you lands in it, whichever budget paid for it.
• Payday to payday. Each pay month closes into a record you can reopen, so progress is something you can see instead of something you have to remember.
• Optional smart helpers. Photograph a receipt or a bill, or say a spend out loud, and Kesto fills the form in for you to check. With no signal, your phone reads the receipt itself.

NO BANK LOGIN

Kesto never asks for your bank credentials. There is no connection to go stale, nothing to leak, and it works with any bank in any country. When you want to check yourself, you read your own balance and type it in; Kesto tells you the difference and where it went.

This is what separates Kesto from most budgeting apps and expense trackers: no Plaid, no open banking, no waiting for a sync that quietly stopped a week ago. Manual entry is the product, because seeing the spend at the moment it happens is what changes behaviour.

BUILT FOR TWO, USABLE BY ONE

A partner is optional and joins later with a six-character code. Everything works offline and syncs when you are back. English, Dutch and Persian, in any currency, priced for the country you live in.

Good for shared household budgeting, couples finance, envelope budgeting, family expense tracking, and anyone who wants a household budget planner without handing over a bank password.

FREE, AND HONEST ABOUT THE REST

The budget is free forever: unlimited budgets, both partners, widgets, partner notifications, three months of history, and an export and backup that always hold everything you have ever logged. Five smart helpers a month are free too.

Kesto Plus adds 300 helpers a month, a number we print instead of the word "unlimited", and opens your history back to your first spend. Kesto Plus Pro doubles that to 1000. One purchase covers both partners.

Privacy Policy: https://kesto-budget-app.web.app/privacy
Terms of Use: https://kesto-budget-app.web.app/terms