Kippit is a fast, private iPhone expense tracker. Log in 3 taps. Track credit card repayments and mortgage separately. See your real monthly cash outflow.
Most expense trackers only track expenses. Kippit tracks the full picture — what you spent, what you owe, and what's coming.
Calculator-style numpad. Tap a favorite chip and the amount, category, and payment method fill automatically.
Credit card and mortgage repayments tracked separately — they never inflate your spending totals.
Loading Octopus from Visa? Record it as a transfer — it moves between payment methods without counting as spending.
Set up recurring expenses (bus pass, school fees) and repayments (mortgage due date). They appear as upcoming in your ledger.
Actuals + scheduled remaining + projected daily spend. See your real end-of-month cash outflow before the month ends.
Get notified before scheduled payments are due. Daily nudge to log your expenses. Budget alerts when you're close.
Your data syncs privately across all your devices through your own iCloud account. No account needed.
Export as JSON or CSV. Import back from any previous export. Schedule definitions and upcoming instances included.
Today's spend and your next due payment — always visible without opening the app. Siri Shortcuts for hands-free logging.
Switch between Expense, Repayment, and Transfer with a single tap. The button colour tells you exactly which mode you're in.
Expenses are what you spend day to day — coffee, groceries, transit. They count toward your spending totals and show in the category breakdown.
Repayments are when you pay off your credit card bill or mortgage instalment. They count toward total cash out but never inflate your spending totals.
No account, no setup, no bank connections. Just open the app and start logging.
Download from the App Store. No account required. Default categories and payment methods pre-seeded so you can log immediately.
Tap the Add tab. Type or use a favorite. Hit Add. Done in under 3 taps. Backdate anything you forgot.
Add your mortgage, credit card due dates, bus pass, school fees. Kippit shows them as upcoming and reminds you before they're due.
The Dashboard shows spending, repayments, and a month-end projection. Total cash out — the real number — always visible.
Kippit stores everything locally using Apple's SwiftData. Optional iCloud sync uses your own private iCloud container — the developer never sees your data.
Free. Private. Native iOS. No subscription required.
Questions? [email protected]