Kept

The money you didn't know you were losing.

Kept finds the recurring debits quietly charging your bank account, works out what each one costs you per year, and shows you exactly where to cancel it.

What it does

Finds every recurring debit

Kept reads the transaction alerts your bank already sends you and works out which ones repeat — UPI Autopay mandates, NACH/ECS standing instructions, card renewals.

Tells you what you forgot

A ₹149 mandate from fourteen months ago doesn't announce itself. Kept ranks charges by how likely you are to have stopped noticing them.

Gets you one tap from cancelling

For each one, Kept opens the merchant's cancel page — or the exact screen in GPay, PhonePe or your bank app where the mandate actually dies.

Stays on your phone

Your messages are parsed on the device. Nothing is uploaded, and account numbers and reference IDs are stripped before anything is saved.

Why it needs SMS access. In India, banks and UPI providers deliver transaction alerts by SMS, and those alerts are the only complete record on your phone of what is being charged automatically. No public API lists your UPI mandates. Kept reads only these alerts, and never sends an SMS.

What Kept will not do

It cannot move money, and it cannot cancel a mandate on your behalf — no app can.
It does not upload, sell or share your messages.
It does not read personal or non-financial messages into its records.
Loans, insurance and investments are surfaced but never given a cancel route.

Support

Questions, bug reports or a message Kept parsed wrongly — email ayaanbhowmick135@gmail.com.