# KeepUp

> KeepUp is a verified net worth ranking platform. Forbes ranks the billionaires, KeepUp ranks everyone else: it shows where your net worth really stands on a global leaderboard of real people and against the wealth data for your country and age. It is also a personal net worth tracker that brings every account, currency, and asset class into one view.

KeepUp is first a ranking and benchmarking platform. Its leaderboard ranks real users by net worth: overall, within a country or region, and within an age group. A Verified badge marks net worths where at least 80% of the tracked assets come from read-only connections to real bank, brokerage, and crypto accounts, so a balance read from an account can be told apart from one that was typed in. Users appear anonymously by default and can show a username or hide themselves entirely. KeepUp also places a net worth against published wealth-distribution data by country and age, so "where do I actually stand?" has a real answer.

The ranking is built on a personal net worth tracker. KeepUp connects your bank, brokerage, and crypto accounts read-only, converts every balance into a single display currency, and tracks your complete net worth and investment return over time, next to the S&P 500. It is built for people whose finances span multiple institutions, countries, and currencies.

KeepUp never moves money: every account connection is read-only, and your bank logins are entered on your bank's own page, never on KeepUp. Bank and brokerage connections run through Plaid – the same connectivity infrastructure used by Venmo and American Express – and crypto exchange connections (Coinbase, Binance, Kraken; United States for now) run through SnapTrade, so your credentials never touch KeepUp's servers. You can export or delete all of your data at any time.

## Pages
- [What KeepUp is](https://keepup.finance/): The net worth ranking platform, its leaderboard and tracker, and free sign-up.
- [FAQ](https://keepup.finance/faq.md): Common questions – what KeepUp is, how the net worth ranking and the Verified badge work, how it protects your money and data, supported accounts and countries, pricing, and getting started.
- [Net worth by country and age](https://keepup.finance/net-worth-percentile): The household net worth needed to reach the median, top 10%, and top 1% in ~40 countries, with by-age tables (Federal Reserve figures for the US), a country comparison table, and a calculator that ranks a net worth overall and within an age group. Each country page has a Markdown twin, e.g. https://keepup.finance/net-worth-percentile/united-states.md. The US page also has one page per age (25 to 65), e.g. https://keepup.finance/net-worth-percentile/united-states/age-30 (and .md).
- [KeepUp vs Monarch Money](https://keepup.finance/compare/keepup-vs-monarch.md): How KeepUp (net worth ranking, any currency, free) differs from Monarch Money (budgeting, USD and CAD), row by row, with a source for every Monarch fact and the date it was checked.
- [KeepUp vs Empower](https://keepup.finance/compare/keepup-vs-empower.md): How KeepUp (net worth ranking, any currency) differs from Empower's free Personal Dashboard (retirement planning, US institutions and USD only), with sources and the date they were checked.
- [KeepUp vs Kubera](https://keepup.finance/compare/keepup-vs-kubera.md): How KeepUp (free, verified net worth ranking) differs from Kubera (paid global wealth tracker with entities and beneficiaries), with sources and the date they were checked.
- [Marketplace](https://keepup.finance/marketplace.md): The in-app Marketplace for US users – crypto, retirement, tax, legal, identity protection, and business offers matched to the portfolio you track, with nothing about you sent to providers.
- [Advertiser Disclosure](https://keepup.finance/advertiser-disclosure.md): How KeepUp is paid by Marketplace providers, how that affects what you see, and what never changes.
- [Changelog](https://keepup.finance/changelog.md): What KeepUp has shipped, newest first – new features, new account connections, and smaller improvements, by month.
- [Security](https://keepup.finance/security.md): How KeepUp protects your data, in plain English – read-only connections, passkey-gated linking, encryption in transit and at rest, and what we never store.
- [Privacy Policy](https://keepup.finance/privacy.md): What data KeepUp collects, how it is used, and the rights and choices you have over it.
- [Terms & Conditions](https://keepup.finance/terms.md): The terms that govern your use of KeepUp.
- [Cookie Declaration](https://keepup.finance/cookies.md): Every cookie in use and how to change your consent.

## Machine-readable versions
- [llms-full.txt](https://keepup.finance/llms-full.txt): This file plus the full text of the public pages above (FAQ, security, every percentile page), in one document.
- Every public page has a Markdown twin at the same URL with `.md` appended, served as plain text. Requesting a page URL with `Accept: text/markdown` returns the twin as well.
- [Sitemap](https://keepup.finance/sitemap.xml): Every public page and its Markdown twin.

## Key facts
- Category: personal finance, verified net worth ranking and benchmarking platform with a built-in net worth tracker (web app).
- Ranking: a leaderboard of real users ranked by net worth, overall and by country, region, and age group, plus your percentile against published wealth data by country and age.
- Verified: a badge for net worths where at least 80% of tracked assets come from connected accounts, not typed-in numbers.
- Privacy on the leaderboard: anonymous by default; showing a username is opt-in, and you can hide yourself entirely.
- Benchmarks: investment return shown next to the S&P 500.
- What it tracks: cash, equities, bonds, real estate, cryptocurrencies, commodities, private shares, and collectibles.
- Multi-currency: balances in any currency are converted to your chosen display currency.
- Read-only by design: KeepUp cannot move, transfer, or trade your money – there is no payment or trading capability.
- Connectivity: bank and brokerage links run through Plaid (the connectivity used by Venmo and American Express) and crypto exchange links through SnapTrade (Coinbase, Binance, Kraken; United States for now), all read-only; KeepUp never sees or stores your bank or exchange credentials.
- Data control: download your full data set as machine-readable JSON, or delete your account, at any time.
- Availability: open to everyone – free sign-up at https://keepup.finance.

## Public API (read-only, no key)
- Base URL https://api.keepup.finance/public – JSON, no authentication, no personal or account data. Interactive docs at https://api.keepup.finance/public/docs, OpenAPI at https://api.keepup.finance/public/openapi.json, setup notes at https://keepup.finance/mcp.md.
- GET https://api.keepup.finance/public/net-worth-percentile?net_worth_usd=250000&country=DE – the percentile of a household net worth in a country (omit country for the world).
- GET https://api.keepup.finance/public/countries/DE/net-worth-thresholds – the net worth needed for the median and the top 25 / 10 / 5 / 1% in a country.
- GET https://api.keepup.finance/public/countries/US/net-worth-by-age?age=30 – median, top 10% and top 1% household net worth for each age group (Federal Reserve figures for the US, labeled estimates elsewhere). /public/net-worth-percentile also takes an age.
- GET https://api.keepup.finance/public/countries – every country with data, with its ISO code.
- GET https://api.keepup.finance/public/countries/US/members?age_band=25-34 – how KeepUp users in a country (or WORLD) compare: rounded net worth thresholds and the share led by each asset class, over groups of five or more on the public leaderboard.
- GET https://api.keepup.finance/public/profiles/{username} – the public profile of a KeepUp user who chose to share one (the page at https://keepup.finance/@username): rank, Verified badge, top % against national wealth data, main asset classes, and optionally investment return vs the S&P 500. Never a net worth figure. A live card image is at /public/profiles/{username}/card.png.
- GET https://api.keepup.finance/public/offers – the financial-product offers in KeepUp's Marketplace, United States only. The providers pay KeepUp; each response carries the disclosure to repeat with any offer shown.

## MCP server
- KeepUp runs a public, read-only MCP (Model Context Protocol) server at https://api.keepup.finance/mcp (Streamable HTTP, no auth) – connect an AI assistant to look up net-worth percentiles and thresholds by country live. Tools: net_worth_percentile, country_net_worth_thresholds, net_worth_by_age, list_supported_countries, keepup_users_net_worth, list_financial_offers. No personal or account access.
- https://api.keepup.finance/mcp/connector is the same server without list_financial_offers, the endpoint listed in AI app directories.
- GET https://api.keepup.finance/mcp returns a JSON description of the server; the write-up with connection steps is https://keepup.finance/mcp.md.

## Company
- KeepUp Financial, Inc.
- Website: https://keepup.finance
- Contact: support@keepup.finance
- Security contact: https://keepup.finance/.well-known/security.txt