Your data, yours to take, whenever you like

What it does

Your financial history is yours. When Mint closed, many people learned how much years of categorized transactions are worth, and how hard they can be to get out of an app. Kemback is built so that leaving is never the hard part: you can download everything in your household at any time, in two open, documented formats.

Most people never leave. They export anyway, for a backup they control, a pivot table, or a year of transactions to send an accountant.

How it works in Kemback

Open Your data. The page says it plainly: “It’s yours. Take a full copy whenever you like, on any plan.” There’s one card, Download everything, with two buttons:

• Download CSV files (ZIP)
• Download JSON archive

The download starts straight away. There’s no request form, no emailed link and no limit on how often you do it.

What’s included

Both formats hold the same records:

• Accounts: name, type, currency, opening balance, shared or private, when it was opened or closed.
• Categories: name, income or expense, parent, hidden, and the roll-over setting.
• Transactions: date, payee, memo, amount, status (pending, cleared or reconciled), tags, and every split with its category and amount. The two sides of a transfer are linked.
• Budget: the mode (category or envelope), starting funds, and every monthly amount per category.
• Rules: their order, conditions and actions.
• Bills: payee, amount, account, category, how often, and when they start and end.
• Reconciliations: each statement’s date and balance, and how many transactions it covered.

An export holds only what the member making it can see. Another member’s private accounts stay private and aren’t included.

Two formats, both documented

CSV files for spreadsheets

The ZIP holds one CSV file per kind of record (accounts, categories, transactions, budget lines, rules, schedules and reconciliations) and a short README. They open in Excel, Numbers or Google Sheets.

• One row per split. A $150 purchase split into $100 of groceries and $50 of household goods is two rows, so adding up a category gives an exact total.
• Amounts twice. Each amount appears as decimal text, like -12.34, and as whole cents, like -1234.
• Spreadsheet-safe. A payee or memo that starts with =, +, - or @ gets a leading ', so a spreadsheet can’t run it as a formula. Amounts and dates are never changed.

A JSON archive for backups and other software

The JSON archive is a single file with everything in it. Amounts are kept exactly as Kemback stores them, as whole numbers of cents beside a currency code, so nothing is lost to rounding. The archive carries a format version, and the format is documented, so another app or your own script can read it reliably.

Every export is recorded

Each export is noted in the household’s activity log, the same tamper-evident log that records other changes. Everyone in a household can see when a copy was taken, which matters when the data belongs to more than one person.

Exporting sits beside security and reconciliation as something Kemback doesn’t put behind a paid plan. Charging people to take their own records would amount to holding them hostage.

Where it runs

Export works in any browser at kemback.com, from Your data in the sidebar. The iPhone app, which is in beta, has the same page: download the JSON or CSV file, then save it to Files or share it. It’s free on every plan, and it will stay free when the Plus plan arrives.

For a full guide to both formats and good reasons to keep a copy, read exporting everything from Kemback. To keep your downloads alongside statements and tax papers, see how to organize your financial records.

Questions

Is exporting free?

Yes, on every plan. Exporting never needs a paid plan or a message to support.

What's included in an export?

Accounts, categories, every transaction with its splits and tags, your budget, rules, bills and reconciliations: everything you can see in the household.

Does my export include my partner's private accounts?

No. An export holds only what the person who made it can see. Another member's private accounts, and their transactions, are left out, and yours are left out of theirs.

Which format should I choose?

CSV if you want to work in Excel, Numbers or Google Sheets. JSON if you want a single complete backup or plan to move to other software. If you're unsure, download both.

Who can export?

Any member of a household, whatever their role, including viewers and advisors.