Manage Money. Together.
We manage the record. We never hold your money.
Track what you spend, what your group owes, and who has actually paid. KeptPact keeps the ledger for personal money, shared expenses, contributions and group savings schemes, so the numbers stop living in a chat thread and a notebook.
| Status | Member | Amount | Due |
|---|---|---|---|
| Paid | A. Kumar | ₹8,750.00 | 04 Oct |
| Claimed | R. Shah | ₹1,000.00 | 03 Oct |
| Pending | M. Iyer | ₹4,200.00 | 01 Oct |
| Overdue | S. Bose | ₹2,100.00 | 28 Sep |
Illustrative. Claimed is not Paid. Only a confirmed payment closes an obligation.
Why you can trust it with the record
- i
We never hold your money
No wallet, no custody, no transfers. Members pay each other however they already do. KeptPact records what happened.
- ii
Your personal finances are private
Visible to no one. Not other members, not group admins, not us. A group role shows that group's activity and nothing more.
- iii
Nothing can be quietly changed
Every edit to a financial record is attributed, reasoned and kept. Records can be corrected, never silently rewritten or deleted.
The part everyone argues about
I already paid you.The sentence this product exists to settle
Most money trouble in a group isn't the maths. It's whether a payment happened. So a payment isn't just marked done by whoever feels like it.
A member marks what they've paid. An admin confirms it was received. Until both have happened, the obligation stays open, and anyone can flag a dispute, which only a group admin can resolve.
It takes one extra tap, and it ends the argument.
Every contribution has a real state
What it covers
One ledger for personal and shared money
Most tools do personal budgeting or bill-splitting. Group savings, lending and rotating schemes get run on trust and a notebook.
- 01
Personal finance
Income, expenses, categories, budgets, bills and EMIs. Works on its own. You never have to join a group.
- 02
Group expenses
Split equally, by amount, by percentage, or leave someone out. Balances stay current, and settling up is explicit.
- 03
Contributions
Who owes what, by when. Expected against actual, with every payment claimed by the member and confirmed by an admin.
- 04
Savings & goals
Personal goals and group savings targets, tracked against real contributions rather than intentions.
- 05
Group schemes
Rotating savings, lending and asset-purchase schemes, recorded properly, with cycles, recipients and repayments.
- 06
Reports & audit
Every balance explainable, every change attributed. Export what you need.
Early access
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