Envelope budgeting
Give every dollar you have a job before you spend it. Kemback's envelope mode shows what's ready to assign, carries every envelope's balance forward, and keeps the arithmetic exact, on the Free plan.
Kemback的全部功能
Quicken的深度，现代应用的易用，还能容纳全家人。除非特别注明，以下所有功能免费版均可使用。
真正的账簿
账户带实时余额，交易可拆分到多个类别，支持账户间转账，并标注已结清和已对账状态。
对账
对照银行对账单逐笔勾选，直到差额为零。已对账的交易会被锁定，过去的记录不会再变动。
类别预算或信封预算
按类别做计划，或给每一块钱安排好去处。随时都能切换，绝不会改动您的数据。
根据您的支出生成预算
Kemback会参考您最近几个月的支出，为每个类别建议一个金额。每一项您都可以保留、修改或跳过。
规则
把银行杂乱的收款方名称改得清清楚楚，并自动分类。规则生效前，可以先预览它会改动哪些内容。
待审收件箱
新交易会在这里等您过目。可以逐笔确认、一次全部确认，也可以边看边重新分类。
账单与定期交易
用日历展示哪些款项即将到期，付款到账时自动匹配；提前支付的账单可以“立即记账”。
涨价的账单
当某笔账单比平时贵，Kemback会告诉您贵了多少。定期扣费会显示其一年的总花费。
可放心花
真正能动用的钱：手头的现金，减去为账单和预算预留的部分。另外还为每个账户提供未来90天的余额预测。
储蓄目标
设定目标金额和日期，从某个账户或信封中拨款，随时查看进度和每月需存入的金额。
概览
预算进度条会变成琥珀色和红色，净资产及其变化、与上月对比的支出、账单和提醒，一眼就能看清。
报表
净资产随时间的变化，以及按类别、收款方或标签统计的收入和支出。点开任何一根柱子，都能看到背后的交易。
提醒
超出预算、异常支出、大额消费、银行手续费、余额不足和账单到期，通过电子邮件、应用内或iPhone提醒您。
每周摘要
每周一早上一封邮件：本月预算执行情况、哪些超支了、手续费和即将到期的账单。一键即可关闭。
从任何地方导入
支持任何银行的OFX、QFX、QIF和CSV文件，CSV文件可自行映射各列。重复导入也绝不会产生重复记录。
从Quicken、Mint、YNAB或Monarch迁移
引导您从Quicken的QIF导出文件迁移，并逐一核对每个余额；也可以从Mint、YNAB或Monarch的导出文件迁移，转账会自动配对。
家庭
共享账户和私人账户，所有者、编辑者、查看者和顾问等角色，邀请功能，以及防篡改的操作记录。
安全
通行密钥、双重验证登录和设备管理。Kemback绝不保存您的银行密码。
全部数据随时导出
所有数据都能以JSON或CSV格式随时导出。您的历史记录属于您自己。
网页版和iPhone
每个界面在浏览器和iPhone应用（测试版）中都能使用，iPhone应用还支持离线使用。Android和Windows版正在开发中。
银行自动同步 Plus版，即将推出
通过Plaid以只读权限获取银行的新交易，无需手动导出。
逐项深入了解
以下页面为英文。
Two budget modes
Kemback's budget works in envelope mode or category mode. Both read the same plans and transactions, so you can switch whenever you like and nothing is lost.
Households and sharing
A Kemback household shares its accounts, budget and bills, with a sign-in and a role for each person. Any account can stay private to the member who owns it.
Bills and reminders
Kemback tracks your recurring bills and income, marks each one paid when the real payment arrives, and tells you when a bill costs more than usual.
Net worth
Kemback adds up what you have and what you owe across your accounts and charts the difference over time, so you can see whether you're moving in the right direction.
Reports
Kemback's reports break income and spending down by category, payee or tag for the period you choose, and chart your net worth alongside, all from one page.
Import and switching
Kemback imports the files every bank offers, and reads exports from Quicken, Mint, YNAB and Monarch directly, so years of history come across instead of being left behind.
Rules and auto-categorization
A Kemback rule matches a payee, an amount or an account, then renames the payee, sets the category and adds tags or a memo. New transactions arrive already sorted.
Reconciliation
Enter the statement's date and ending balance, tick what's on it, and finish when the difference is zero. Reconciled transactions are locked against accidental edits, and it's on the Free plan.
Savings goals
Name a goal, set a target and, if you like, a date. Kemback shows how far along you are and exactly how much a month gets you there on time, from the account or envelope you save in.
Export your data
Two buttons, everything included: CSV files for a spreadsheet, or a JSON archive that keeps every amount exactly as stored. Free on every plan, with no request form and no waiting.
Security
Sign in with a passkey or add an authenticator app, see every signed-in device, and know that Kemback never asks for your bank password. Behind that, every household is kept apart twice, in the application and in the database.
iPhone app and offline
A native iPhone app, in beta, that matches the web app screen for screen. Your accounts, register and budget are kept on the phone, so you can check them and add simple entries without a connection.
Review inbox
New transactions from imports and bills wait in one place until someone in your household has looked at them. Confirm them, change a category, or turn a fix into a rule, in a few keystrokes or swipes.
Kemback适合谁
以下页面为英文。
Couples
Most couples don't want all-joint or all-separate money; they want a clear shared budget and a little room of their own. Kemback gives each of you your own sign-in, one household budget, and accounts that can stay private.
Families
Family money has more moving parts: school costs, birthdays, a car that needs tires, a bill that quietly doubled. Kemback keeps one household budget with a bills calendar, goals and roles for each person.
Freelancers and irregular income
When pay arrives in uneven amounts, a fixed monthly budget breaks in the first lean month. The fix is to budget only money you already have, and Kemback's envelope mode is built for exactly that.
Paying off debt
Paying off debt is mostly a budgeting problem: finding money for extra payments every month, and not adding new debt while you do it. Kemback won't plan your payoff for you, but it helps you find and keep that money.
Former Mint users
When Mint closed, many people lost the budget bars, alerts and years of history they relied on. If you saved Mint's transactions export, Kemback reads it directly and rebuilds a budget from it.
Privacy-minded households
A budgeting app knows more about you than almost any other service. Kemback is paid for by its plans, never asks for your bank password, and lets you leave with all of your data.