Free income and expense tracker
Income and expense tracker for your salary
Track what comes in and goes out, plan what you owe, save with a plan, send invoices and get clear advice from your own numbers. Works in any currency, in any country, even with no signal.
Get started for free. No card needed.
- Works with no data
- Fingerprint and PIN lock
- We never hold or move your money
- Any currency, any country
Kede in short
One app for the money you earn, owe, save and send
Kede replaces the notebook, the spreadsheet and the reminders on your phone. You write money down, plan what you must pay, save for what you want, send professional invoices and ask an AI coach about your own numbers.
Track
Write down what comes in and goes out in seconds. See your profit for the day.
Plan
Put payments and tasks on a plan. Pay in parts and get reminded before the due date.
Save
Set a goal. Kede works out the weekly amount from your real income and spending.
Sell
Send quotations, invoices and receipts with your logo and stamp. See who still owes you.
Understand
Ask your AI money coach where the money went. Get a short insight every week.
Prove
Download a verified statement with a QR code for a bank, a landlord or a visa.
Why Kede
What makes Kede different
Most apps do one job. Kede connects the jobs, so your money tells one clear story.
Personal and business money, together
Budget apps do not send invoices and invoice apps do not plan your bills. In Kede a paid invoice becomes income in your Tracker, and your bills sit in the same place.
It plans ahead, it does not only record
Workplan shows what you must pay and what is left. Goals show what you are building. Reminders arrive before the date, not after.
Advice from your own numbers
The AI coach reads your records, not a template. Ask a question, get an answer, and get a savings plan you can actually keep.
We never hold or move your money
Kede does not log in to your bank or take payments. You stay in control and Kede keeps the record.
Any country, any currency
Set your currency once. Documents can be priced in another currency and converted at today's rate.
Proof you can show
Verified statements with a QR code, and documents with your own logo, signature and stamp.
Made for the world
Every country. Every currency.
Choose your currency when you sign up and every amount, report and document uses it, written the way people write money where you live. Sending a quotation abroad? Change the currency on the document and Kede offers to convert your prices at today's rate.
- Cash, bank, card and mobile wallets in one total
- Prices shown in your own currency
- Currency converter with today's rates
- Works offline, wherever you are
A closer look at what Kede does every day
Simple enough for your first day. Smart enough to keep you on track for years.
Know where every coin goes
Add money in and out in seconds, or just type "sales 70, transport 2, lunch 2" and Kede fills it in. See your profit for the day at a glance.
- Quick Add with AI: type it like you'd say it
- Your products and services fill in with one tap
- Works offline: entries send when you're back online
Never be surprised by a payment again
Plan rent, fees, loans and subscriptions, then pay them bit by bit. Kede shows what is paid, what is left and reminds you before the due date. Add tasks with a deadline too, and say who handles each one.
- Pay in installments, see what is left and who you paid
- Repeat rent, wages and bills every month by themselves
- Tasks with a due date, a person in charge and a countdown Board screen
- Reminders on your phone and in Google, Apple or Outlook Calendar
Save for what you want, with a plan
A laptop, stock for the business, school fees or an emergency fund. Set a target and Kede shows how close you are and how much to save each week.
- Kede tells you: save about $20 a week to stay on track
- Progress you can see, with celebrations
- Keep the money in its own wallet or bank account
Advice from your own numbers
Ask "where did my money go this month?" and get a clear answer. Every week Kede sums up how you did and one small step to do better.
- Ask anything about your own money
- Weekly and monthly insights
- A realistic savings plan built from your real income
Workplan or Goals? You need both.
They sound alike, but they do different jobs.
Workplan
Protects you from surprises
- What it holds
- Money you have to pay
- Examples
- Rent, school fees, loan installments, electricity
- What you see
- What is due, what is paid, what is left
- It asks
- Am I covering my obligations?
- Kede helps with
- Reminders and calendar sync before the due date
Goals
Helps you build what you want
- What it holds
- Money you choose to keep
- Examples
- A phone, a laptop, stock, an emergency fund
- What you see
- What is saved, how close you are
- It asks
- Am I building something?
- Kede helps with
- A weekly amount, a coach and celebrations
Quotations, invoices and receipts
Send a proper invoice in a minute, see who still owes you
Make a quotation, turn it into an invoice when the customer agrees, and give a receipt for every payment, even part payments. Each document carries your logo, your ways to pay and your stamp, and goes to the customer on WhatsApp, as a PDF or printed.
- Quotations, invoices, receipts and letters, linked in one trail
- Money to receive: what is unpaid, what is overdue, one tap to remind
- Your logo on every page: Kede removes its background in one tap
- Save each customer once, pick them next time
- Pro: 5 designs, your colours, your signature and a round or box digital stamp
- Pro: let a cashier or sales person make documents with their own login
Just need one document now? Try it with no account: free invoice maker, free receipt maker or free quotation maker
Receipt sent on WhatsApp
Balance worked out for you
Verified statements
Proof of income your bank, lender or landlord can check
Need a loan or a lease? Download an official Kede statement of your income and spending. Each one carries a unique number, a stamp and a QR code, so anyone can confirm it is real at kede.app/verify.
- Official statement with a unique KDS number and stamp
- QR code and online check against tampering
- Monthly reports, annual summaries and Excel exports
Statement verified
KDS number and QR code checked
Everything in Kede
All the tools, in six groups
Open a group to see what is inside. Every one of these is in the app today.
Track
Know where every coin goes.
- Quick Add with AI. Type it the way you would say it and Kede turns it into entries.
- Daily Tracker. Opening balance, money in, money out and the day's profit.
- Your own categories. See how many records use each one, and rename them anywhere.
- Products and services. Save what you sell with its price and fill entries in one tap.
- Profit calculator. Take the costs off a job and record only what you really made.
- Wallets. Cash, bank, card and mobile wallets, with a one-tap way to hide the balances.
- Import and export. Bring your old book or spreadsheet in with a preview, and export to Excel.
- Payment SMS capture. On Android, turn a payment text message into an entry.
Plan
Never be surprised by a payment again.
- Workplan. Plan payments, pay them in parts and see what is left.
- Repeating payments. Rent, wages and subscriptions that repeat by themselves.
- Tasks and Board. Things to do with a deadline, a person in charge and a countdown screen.
- Wishlist. List what you want to buy with prices and totals. Plan it, or make it a goal.
- Calendar sync. Your payments in Google, Apple or Outlook Calendar.
- Bulk edit. Tick many items, then change the category, move them or delete them at once.
Save
A plan for what you want, built from your real numbers.
- Savings goals. A target, a date and a weekly amount you can keep.
- A wallet for each goal. Move money into the goal's wallet and Kede records the saving for you.
- Friendly reminders. A Monday plan, a Thursday nudge, and a pause when you need a break.
- Celebrations. Cheer at 25, 50, 75 and 100 percent.
Sell
Get paid, and always know who owes you.
- Quotations, invoices, receipts, letters. Linked in one trail, with part payments.
- Money to receive. Unpaid and overdue balances with a one-tap reminder.
- Customers. Save each customer once, with a link they can open.
- Your look. Five designs, your colours, your logo, your signature and a box or round stamp.
- Team members. Let a cashier or sales person make documents with their own login.
- Share anywhere. WhatsApp, link, PDF, picture or print. Documents show your own ways to pay.
Understand
Clear answers, not more spreadsheets.
- AI money coach. Ask about your own records, in plain words.
- Weekly and monthly insights. What changed, what to watch and one step to take.
- Charts and reports. Daily ledgers, monthly and annual summaries, and plans against payments.
- Currency converter. Check today's rate before you price a job.
Protect
Private, reliable and honest.
- Works offline. Add, edit and pay with no signal. It sends later by itself.
- App lock. PIN or fingerprint when the app opens.
- Verified statements. A unique number, a stamp and a QR code anyone can check.
- We never hold your money. No bank login. No payments taken. You stay in control.
One account, every device
Your money, on every screen you own
Record a sale on your phone at the market, check your Workplan on the office computer, and print a statement from your laptop. Sign in anywhere and it is all there, kept in sync.
Import and export
Leave the paper book, the old system and the messy Excel behind
Whatever you used before, you can bring it with you. Copy your old records into Kede's Excel template, check the preview and import everything in one go. Importing is free for everyone, and with Pro you can export everything to Excel whenever you like.
Download the template
Tools has ready Excel templates for your Tracker and Workplan, with a sheet that explains how to fill them.
Copy your old records in
From a paper book, an old app or any spreadsheet. Dates like 01/10/2026 and amounts like 25,000 are fine.
Check the preview
Kede reads every row and shows the totals, the dates and the first entries before anything is saved.
Import, and export any time
Import in one tap. Your history, reports and charts are ready at once. Pro can export everything back to Excel any time.
Products and services import from Excel too, so your price list is ready for your invoices.
Our story
Kede began with one idea: guard what is entrusted to you
The money you earn is entrusted to you. It pays for your family, your work and your future. Kede is named after the Greek word kēdemonía, which means faithful care of something entrusted to you.
We built Kede because too many money apps are made for one kind of person with one kind of income. Kede is for anyone who earns and spends, in any country, in any currency.
Read the full storyBuilt by
Kartel Tech
Kede is built by Kartel Tech, a software company that builds websites, apps and systems that help businesses grow.
Visit Kartel TechWhat people say about Kede
Real reviews from people using Kede.
“I have always wanted to have such an app on my phone, No Ads, Just it doing exactly what I want.”
Up and running in two minutes
- 1
Create your free account
Just an email and password. Tell Kede what you do and it sets up categories that fit you.
- 2
Add today's money
Type it, tap it or say it in a sentence. Plan your bills and set a savings goal.
- 3
Watch the picture get clearer
See your profit, your progress and one small step each week to do better.
Simple pricing
Start free. Upgrade when Kede is earning its keep. Pay monthly, or yearly and get 2 months free.
Free
Everything you need to track daily money.
Free
forever
- Daily income and expense tracker
- Workplan for bills and installments
- 3 quotations, 3 invoices and 3 receipts a month
- Tasks with deadlines (10 open at a time)
- 1 savings goal
- Reports and charts
- Up to 2 wallets
- Works offline, on phone and computer
Questions people ask
Is Kede free?+
Yes. The free plan has the daily tracker, Workplan, a savings goal, reports, 2 wallets and 3 quotations, 3 invoices and 3 receipts a month, with no time limit. Pro adds the AI features, unlimited documents with your stamp and designs, unlimited wallets and goals, verified statements and exports.
Can I make quotations, invoices and receipts with Kede?+
Yes. Make a quotation, turn it into an invoice when the customer agrees, and record each payment to give a receipt. Kede shows who still owes you and what is overdue. Your logo, contacts and ways to pay go on every document, and you share it on WhatsApp, as a PDF, by link or on paper.
Does Kede collect payments from my customers?+
No. Kede never holds, moves or collects money. Your documents show your own ways to pay, like a bank account or mobile wallet, and your customer pays you directly. You then record the payment in Kede.
Can my staff make invoices for me?+
Yes, with Kede Pro. Invite a cashier or sales person from Settings, Team, and tick what they may do: quotations, invoices, receipts, letters, customers and the Workplan. They sign in with their own login, their name shows on each document, and they never see your Tracker or reports. You decide whether they may sign with your stamp.
Can I give tasks to my team and see when they are done?+
Yes. Add a task to your Workplan with a deadline and the person who handles it. They get a reminder, mark it done, and you confirm it. A Board screen shows every open task with a countdown, so a whole shop or office can see what is due.
Can I send a quotation in another currency?+
Yes. Change the currency on the document and Kede offers to convert your prices at today's rate, or keep the numbers as you typed them. A currency converter is also in Tools. Rates are a guide, so check the amount before you send.
What if my customer also uses Kede?+
Connect them from their customer page. The quotations, invoices and receipts you make for them then also appear in their own Kede, under From my suppliers, with the balance and a button to add it to their Workplan. They only see what you made for them.
What is the difference between Workplan and Goals?+
Workplan is for money you must pay, like rent, school fees and loans: it shows what is paid and what is left, and reminds you before the due date. Goals are for money you choose to save, like a phone or an emergency fund: they show how close you are and how much to save each week.
Does Kede work without data?+
Yes. Once you have opened the app with data, it opens with no data too. You can add, edit and delete entries and record Workplan payments offline, and Kede sends everything when you are back online. Signing in for the first time, AI features and payments need the internet.
Does Kede connect to my bank or mobile wallet account?+
No. Kede never logs in to your bank or mobile wallet. You add entries yourself, by typing, by a quick AI sentence, or on Android by sharing a single payment SMS when you choose to.
Does the AI change my records on its own?+
Never. The AI only prepares drafts and suggestions. Nothing is saved until you check it and tap Add.
Can a bank or lender trust a Kede statement?+
Each official statement has a unique number and a QR code. Anyone can open kede.app/verify to confirm the statement is real and unchanged.
Is my data private?+
Your records are stored securely and only your account can read them. The app can be locked with a PIN or fingerprint. We don't sell your data or show you ads. See the Privacy Policy for details.
Which currencies does Kede support?+
Any currency in the world. Kede suggests yours from where you sign up, and you can change it any time in Settings. Amounts show the way people write them locally, like USh 10,000, Ksh 400 or $12.50.
I keep my records in a paper book. Can I bring them in?+
Yes. Download the Excel template in Tools, copy your pages into it and import it. Dates like 01/10/2026 and amounts like 25,000 are fine, and Kede shows a preview before anything is saved.
Can I use Kede on my phone and computer?+
Yes. There is an Android app, and on iPhone, iPad, Windows and Mac you can add Kede to your home screen or desktop from the browser. Your data stays in sync everywhere you sign in.
Start guarding what's entrusted to you
Free to start. Takes two minutes. Your money coach is waiting.