Kepeno combines AI document analysis, zero-based budgeting, and bill splitting in one app. Built for European households and businesses.
No credit card required • Free plan available • GDPR compliant
Monthly Budget
€3,200
↑ 12% allocated
Saved This Month
€480
15% of income
Subscriptions
12
3 unused detected
AI Budget Analysis
Live"You're spending 34% more on dining than last month. Based on your income, I suggest reducing this category by €120 to stay on track with your savings goal."
Trusted technology partners
No competitor combines all of this. Kepeno is the only EU-focused app with AI document analysis, budgeting, and bill splitting in one place.
Upload invoices, contracts, bank statements, or utility bills. Claude AI reads and analyzes them in seconds — in any language.
invoice_jan_2026.pdf
Analyzing...
AI Analysis
Total: €1,240.00 | Category: Office Supplies
⚠️ 23% above your monthly average for this category
January Budget
Inspired by YNAB, but built into your Kepeno subscription. Auto-import from your bank, manual entry for cash. AI categorizes everything.
No groups to manage. No app required for recipients. Split 1:1 or 1:N with multi-currency support — simpler than Splitwise, faster than Revolut.
Split: Dinner at Noma 🍽️
Ask anything about your finances. Get instant, personalized answers powered by Claude AI.
Compare energy, insurance, and telecom providers. AI finds you the best deal in your country.
Automatically detect all your subscriptions. Get alerts before renewals. Cancel unused ones.
Track stocks, crypto, and commodities. Live prices from CoinGecko and Twelve Data.
Connect your bank account via Nordigen. Transactions auto-imported and categorized.
End-to-end encryption, biometric auth, 2FA. Your data is yours — GDPR compliant.
The only app that combines everything — at a fraction of the cost.
| Feature | Kepeno | YNAB | Splitwise | Revolut |
|---|---|---|---|---|
| Zero-Based Budgeting | ✓ | ✓ | — | — |
| Bill Splitting | ✓ | — | ✓ | ✓ |
| AI Document Analysis | ✓ | — | — | — |
| Open Banking (EU) | ✓ | — | — | ✓ |
| Provider Comparison | ✓ | — | — | — |
| Multi-currency | ✓ | — | — | ✓ |
| GDPR / EU-focused | ✓ | — | — | ✓ |
| Free plan available | ✓ | — | ✓ | ✓ |
| Price / month | from €0 | €14.99 | €3.33 | €2.99+ |
Start free. Upgrade when you're ready.
Perfect for getting started
For individuals who want full control
For small businesses and teams
Yes. Kepeno is built for European users. All data is stored in EU-based infrastructure, you can export or delete your data at any time, and we never sell your data to third parties.
We use Nordigen (now GoCardless) to connect to your bank account. This is a read-only connection — we can import your transactions, but we cannot initiate payments or access your credentials.
Kepeno supports all major EU currencies (EUR, PLN, CZK, HUF, RON, SEK, DKK, NOK) plus USD, GBP, and CHF. Exchange rates are provided by the European Central Bank.
Yes. You can send payment requests via email or SMS to anyone. They don't need a Kepeno account to see the split details and confirm payment.
Documents are encrypted end-to-end using AES-256-GCM before storage. We use Supabase Vault for key management, biometric authentication on mobile, and 2FA on all accounts.
Kepeno uses Anthropic's Claude AI for document analysis, transaction categorization, spending insights, and the chat assistant. Your data is not used to train AI models.
Join thousands of Europeans who use Kepeno to budget smarter, split bills faster, and understand their money better.
Get Started — It's FreeNo credit card required • Cancel anytime • GDPR compliant