Holiday spending outlook
What Pesach, Sukkos and Purim have actually cost you, year over year — measured over the whole spending season, not the calendar day. Pesach's costs start around Purim, and the outlook knows that.
It makes cents to save
Pesach is in 94 days.
Do you know what it costs?
Every budgeting app can tell you what you spent last month. Kesef tells you what yom tov has cost you in past years, what you have set aside so far, and the monthly number that closes the gap before erev Pesach arrives.
No card required to start. Your categories, settings and starter savings funds are set up before you arrive.
Built for the way the year actually costs money
The expensive months are not a surprise. They are on a calendar, and they have been for three thousand years.
Sinking funds that retarget themselves
Tuition, camp, yom tov, simchas, Shabbos, Pesach — six funds are waiting when you sign up. Each one tells you whether you are on schedule and what to put away this month, and the holiday funds retarget every year from your own history.
Maaser, tracked properly
Set the percentage, choose which income counts, and the ledger keeps itself — accrued on income, credited when you give. It reports a number. It does not tell you what you are obligated to give; that belongs with your rav.
A simcha, line by line
Hall, caterer, band, photographer, sheitel, benchers. Three numbers per line — what you guessed, what you signed, what you have paid. Change the guest count from 300 to 350 and every per-plate line reprices itself.
One calendar for money and the year
Posted transactions, committed payments, projected bills, fund targets, holidays, Shabbos and Rosh Chodesh — on one grid, with the Hebrew date on every cell. A projection is drawn dashed, so an estimate never looks like a fact.
Reminders that keep Shabbos
A bill reminder due Friday evening lands motzei Shabbos. Reminders defer, never drop — and you can set one on the Hebrew calendar, which no ordinary repeat rule can express: every 14 Nisan, every Rosh Chodesh.
Three things we will not do
We will not invent a number and call it yours
Every estimate says where it came from. With three years of history, the Pesach outlook is your median. With none, it says generic estimate in plain words, because presenting a made-up figure as your own average is the most dishonest thing a budgeting app can do.
We will not lock you out over billing
If a subscription lapses, the app goes read-only. Every transaction, every report, every export stays available — only changes pause. Your financial history is yours.
We will not put a token in your browser
Your session is a server-side cookie that JavaScript cannot read. Nothing running in the page — not our code, not a dependency's — can lift a credential. Here is exactly how that works.
Ask your own AI about your money
Kesef is an API first, and a web app second. That means your own assistant can connect to it over MCP and answer questions against your real numbers — with tables and charts, not guesses.
MCP keys are read-only, and cannot be made otherwise. Merchant names
come from your bank, which makes them text an outsider can influence. A read-only key
is what makes an instruction hidden in a transaction description unable to move money —
a structural guarantee rather than a careful one.
Native phone apps use the same API with their own keys. There is one authorization model behind all three clients, not three that have to agree.
Start before the next yom tov
Free to start. Your chart of accounts, settings and six starter savings funds are created the moment you sign up.