Kesef is an expense app for iPhone and Android. This page gathers its features, each with its own page: exactly what it does, what it doesn't, which countries it covers and whether it's part of the free plan or of Pro. If you're after one in particular, it's below; if you want the full picture of free versus Pro, it's at the end.
The features, one by one
- IntegrationsLet your expenses log themselvesConnect Kesef with what you already pay with: Mercado Pago, Apple Pay and iPhone shortcuts. Your expenses come in on their own, with their category.
- Mercado PagoYour Mercado Pago spending, logged on its ownConnect Mercado Pago and your QR payments, purchases and transfers land in Kesef on their own, categorised. Read-only. In 7 Latin American countries.
- Apple PayYour Apple Pay payments, logged on their ownSet up the Wallet automation once and every Apple Pay payment in a shop lands in Kesef on its own, with amount and merchant. iPhone with iOS 17 or later.
- Shared expensesSplit the household bills without keeping score in your headRent, groceries and utilities: you log the shared expense and Kesef works out who owes whom. It handles several currencies and it's free for everyone.
- CouplesCouple expenses, clear and with no score-keepingRent 60/40, groceries down the middle or everything shared: log each expense and Kesef works out who owes whom. Free for both, on iPhone and Android.
- Voice loggingLog the whole day's expenses by talking, in one goTell Kesef everything you spent and it picks out each expense separately, with category and amount. It's part of Kesef Pro, with 3 free entries to try it.
- Multi-currencyTrack spending across currencies without doing the maths yourselfYou earn in one currency and spend in another, or you're travelling. Kesef converts each expense as you log it and shows the total in one currency. Free.
- InstalmentsCredit card instalments, spread across the monthsLog the purchase once and Kesef puts each instalment in the month it belongs to. See how much of the month is already committed. iPhone and Android.
- Savings goalsSavings goals: set the amount and Kesef tells you whether you'll make itA trip, an emergency fund, a laptop: set the amount and, if you like, a date. Kesef tells you your pace and how much to set aside per month. 2 goals free.
What's free and what's Pro
Downloading and using Kesef is free, with no cap on transactions, groups or recurring expenses, with sync across devices and automatic conversion of 150+ currencies. The free plan caps what you don't need every day: 3 budgets and 3 tags, 2 active savings goals, 3 voice entries to try it, 3 Chat questions per month and export of the last 30 days.
Kesef Pro is optional and costs USD 5 per month or USD 35 per year, with a 14-day free trial on the yearly plan, or USD 100 as a one-time lifetime purchase. It adds what makes expenses log themselves and lifts the caps:
- Apple Pay automation: payments made with your iPhone log themselves.
- Mercado Pago integration: payments log themselves, in 7 countries.
- Unlimited voice logging and Chat.
- No ads.
- Unlimited tags, budgets and goals.
- Detailed insights and group statistics.
- Export of your full history, and to Excel.
- Several users on the same phone.
Groups are free for every participant: whoever receives an invite doesn't need Pro to join, log expenses and see the balances.
Frequently asked questions
Which Kesef features are free?
Unlimited expense and income logging, unlimited groups and shared expenses, recurring expenses, custom categories, sync across devices, conversion of 150+ currencies, instalment purchases with a due-date reminder, configurable periods, 3 budgets and 3 tags, 2 active savings goals, 3 voice entries, 3 Chat questions per month and JSON and CSV export of the last 30 days.
Does Kesef connect to my bank?
No. The only automatic inputs are Mercado Pago, by linking your account in Argentina, Brazil, Chile, Colombia, Mexico, Peru and Uruguay, and Apple Pay, through a Shortcuts automation on iPhone. Both are read-only: Kesef doesn't pay, transfer or move money. Everything else is logged by hand or by voice.
Which countries does Kesef work in?
The app can be downloaded and used in any country in the world: it's translated into 50+ languages and handles 150+ currencies. What depends on the country is the Mercado Pago integration, available in Argentina, Brazil, Chile, Colombia, Mexico, Peru and Uruguay. Apple Pay works in any country, on iPhones running iOS 17 or later.