Kettle Money: Budget & Bills

Know what’s safe to spend. Before you say yes.

One honest number until payday, with every bill, plan and saving already counted. Plan on your own, or share money with a partner or family: then a plan counts only when everyone says yes.

WHAT IT DOES

• Safe to spend. One number until payday, and the day money is lowest. • A receipt for every yes. The money, the hours and who does what, before anyone agrees. • Decide together. Send a plan to your partner; nothing changes until you both say yes. • Ask before you spend. “Can we afford $300 on Saturday?” answered on your iPhone, from your own numbers. • No surprise bills. Letters, invoices and school fees are read for you, with their due dates. • Before it renews. Insurance, phone and energy renewals flagged three weeks early, with last year’s price, so you can compare in time. • Pay yourself first. On payday, a set amount is reserved for savings in your plan before the rest counts as spendable. • Know where it went, and where it’s cheaper. Spending sorts itself, and your receipts remember every price, shop by shop. • Your places. Where you eat out, what a visit usually comes to, and what it would leave free before payday.

Also inside: a month plan, saving pots, a way out of debt with the day you’ll be free of it, orders and return windows, net worth, and a five-minute weekly check-in. Import CSV exports from other budgeting apps, or start fresh.

YOUR ACCOUNTS, YOUR CHOICE

Import a CSV or OFX statement, or simply type. Kettle Money reads and plans; it never holds, moves or pays a cent.

PRIVATE BY DESIGN

Receipts, letters and questions are read on your iPhone. No ads, no trackers, and we never sell your data. In a shared household your private accounts stay private. Export your data, erase local app data and request removal of private iCloud data in Settings. Other adults retain the shared household history.

MADE FOR YOUR COUNTRY

8 languages. Local shops, receipts, bills and dates, in your own currency. Widgets for your Home Screen and Lock Screen, and Apple Watch.

HOUSEHOLD MEMBERSHIP

Discovery signals