Stop keeping track of it in your head.

You add your expenses, recurring and one-off, and your income if you want. Kelo shows how much you'll pay this month and on which day, gives you a heads-up before every charge, and never asks for your bank login.

Get it free

Free to start. iPhone only, in ten languages.

More than 6,000 people used it in September.1 It's built by one person, in Spain.

The problem

Nobody really knows what they pay each month

You signed up for each one in a different month, and every one of them charges whenever it feels like it. You end up with no idea where it's going, and your bank tells you once there's nothing left to do about it.

290 brand marks inside the app. Forty of them go by here.

This month

What you'll pay this month
before you buy a thing.

$1,892.50

Everything you pay every month, added up, before it gets charged.

What Kelo does
Six things, in the order you need them.

01

Before

You know what you'll pay before you pay it.

Home shows the month's total and your next charges. Tap the title to see your balance, income minus spending, with an arrow that tells you if you're doing better or worse than last month.

02

How often

Not everything gets charged monthly.

Weekly, every two weeks, monthly, every two, three or six months, yearly, or whatever interval you set.

03

The day

Tap a day and see what gets paid.

The whole calendar, month by month, with every charge on its day. Tap one to edit or delete it right there.

04

The month

Set a ceiling. And a goal.

A monthly limit that tells you the first time you go over it, and savings goals that fill up as you go.

05

The moment

Expenses that log themselves.

Pay with your iPhone and Kelo logs it without you opening the app. You set it up once in Shortcuts, with a video guide inside Kelo.

06

Kept apart

Every expense in its own account.

Work, home, a trip: one account for each, with its own totals, limit and goals. And categories your way, with whatever name and icon you like.

Everything else it does
For when you use it every day.

Logging

Income
Your paycheck, a refund, the money a friend pays you back. When you add, pick Expense or Income.
Free
From a photo
Snap a receipt or a bill and Kelo drafts the expense for you to check.
Premium
Without opening the app
Log an expense or income from Shortcuts, Siri, the Action button or a double tap on the back of your iPhone.
Premium
Your currency
47 currencies, from the US dollar to the Colombian peso.
Free

Sorting and checking

Dashboard
Charts for this month, 3, 6 or 12 months, or the months you pick. If you log income, one puts it next to your spending.
Free
Your own categories
Make your own, and edit or hide Kelo's. Delete one and you choose where its expenses go.
Premium
History
Every entry with its sign, and the month always in view at the top.
Free
Paused expenses
Pause a recurring expense without deleting it, and turn it back on when it returns.
Premium

Also

Widgets
Your monthly spending and next payments on your Home Screen.
Free
Server backup
With Premium, your expenses sync to Kelo's server, so you don't lose them when you switch iPhones.
Premium
Talk to the maker
Tap the message icon on Home and Jose, who makes Kelo, writes back.
Free

We don't promise you'll make money.

There are no badges and no streaks.

We don't ask for your bank login.

Just what you pay, and when.

Free, and no small print

Free

  • Four recurring expenses
  • As many one-off expenses as you want
  • Income and balance
  • Your Personal account
  • Dashboard, history and widgets
  • Messaging Jose

Premium2

  • No cap on recurring expenses
  • A heads-up before every charge
  • The whole calendar
  • Monthly limit and savings goals
  • More accounts and your own categories
  • Apple Pay, photos, Shortcuts and Siri to log without typing
  • Server backup

Questions

Why doesn't it connect to my bank?

Because we don't want your credentials, and because your statement shows up too late. What matters is what hasn't happened yet.

Do I have to type everything in?

The first time, yes, and we're not going to pretend otherwise. But recurring ones go in once and stay there. And with Premium, paying with your iPhone logs it for you.

Can I log income too?

Yes. When you add something you pick Expense or Income, and on Home you can switch the month's spending for your balance, income minus spending.

Can I add expenses that are not monthly?

Yes: weekly, every two weeks, every two or three months, every six, yearly, or whatever interval you set. It was the most requested thing in our reviews.

How do Apple Pay payments log themselves?

With a Shortcuts automation you set up once, following a video guide inside Kelo. From then on, when you pay with your iPhone, Kelo logs the amount and the store. Some banks don't hand the amount to Shortcuts: if yours doesn't, Kelo tells you and you fill it in. It's part of Premium.

Can I keep work and personal expenses apart?

Yes, with accounts. Each one has its own totals, limit and goals. Personal is free, and extra accounts come with Premium.

Does Kelo cancel subscriptions for me?

No. Kelo tells you what you have and when you'll be charged, but cancelling a service is done wherever you signed up for it. We don't ask for permission to act on your behalf and we never move your money.

Does it work offline?

Yes. What you enter is stored on your iPhone, so the app works the same on a plane. With Premium, it also syncs to Kelo's server whenever you're online.

What if I stop paying for Premium?

You don't lose anything you already have. What gets capped is how much more you can add from then on.

Where is my data?

Without Premium, only on your iPhone. With Premium they sync to Kelo's server, which works as your backup. Kelo never connects to your bank.

Can I talk to whoever makes Kelo?

Yes. Tap the message icon at the top of Home and write. Jose, who makes Kelo, writes back.

Is there an Android or iPad version?

No. Kelo is iPhone only.

Guides

The manual method, written out and checked. You don't need the app for any of it.

Use cases

Stop keeping it in your head.

Get it free