Kesse

Give your savings goal a clear next step. Build a plan from your target and monthly budget, record what you actually save, and keep your spending in view.

Build a plan you can adjust

Choose a goal amount, currency and target date. Enter your starting savings, monthly income and monthly expenses. Kesse compares the monthly amount needed with your available budget and shows a capacity gap or conditional completion date when it can calculate them.

Change the budget or deadline as your circumstances change. The calculation assumes the entered budget continues. It does not include investment returns or price changes, and it is not a guarantee or a probability of success.

Record what really happened

Each monthly step has a due date. Record the amount you actually saved or mark the step Not saved. Partial and extra contributions count at their real amounts. You can correct a saved amount or undo a step.

The progress chart separates recorded savings from the conditional path ahead. A missed due date does not automatically add money to your savings. Kesse records your entries; it does not move money.

Keep spending separate and complete

Your spending ledger is separate from your savings goal. Choose its currency once; that currency stays fixed. Enter a total for a finished week or month, or use non-overlapping categories, then explicitly confirm that the period is complete. Editing a period requires confirmation again.

Only eligible, confirmed periods enter the analysis. Excluded raw entries remain stored. Changing between weeks and months keeps the other records without mixing the two period lengths.

See what your records show

After four eligible periods, see the observed median, descriptive spread, lowest and highest totals, and number of included periods. The spread is a scaled median absolute deviation: a description of the recorded totals, not a confidence interval, a future spending range or a promise that more entries make it narrower.

With at least four eligible periods on each side, Kesse compares the latest periods with the immediately preceding periods, using up to 16 per group. Earlier eligible periods still contribute to the full-history summary. The comparison shows its date ranges.

A rank-based comparison accounts for equal amounts and assumes independent, comparable periods. It does not adjust for seasonality or repeated comparisons. No clear change yet does not prove that spending stayed the same. Any percentage describes the observed median difference, not the future.

Explore a balance scenario

An optional balance lets you explore how long that amount would last under constant-spending scenarios based on the observed typical amount and spread. These durations are scenarios, not forecasts or guaranteed minimum and maximum times.

On your devices

Use Kesse on iPhone or iPad. The Apple Watch companion displays a spending summary sent by the paired iPhone through Apple's device connection. It does not enter spending or receive your individual entries or goal plan.

The app calculates and stores your entries on your device. No bank login, account, developer server, analytics, advertising or cloud AI is needed. Your device backup settings may affect where copies of local app data are retained. Read the privacy details.

Not financial advice

Kesse is a planning and measuring tool. It uses your own entries, does not move money and does not recommend financial products.

Price and languages

Free, with no in-app purchases or subscription. Available in English, German, Spanish, French, Japanese and Turkish.

Read the guide for setup, contributions, period confirmation and the meaning of the results.