Envelope Budgeting: Fundkeep
Cash Stuffing, No Subscription
Free · In‑App Purchases
Envelope budgeting, bought once. Give every dollar an envelope, set a monthly goal, cover overspending from the board. No bank login, no subscription, data stays yours.
Fundkeep is envelope budgeting — the zero-based method — for iPhone, iPad and Mac.
You decide what every dollar is for before you spend it, and the board tells you what
is actually left.
Bought once. There is no subscription, no account to create, and no bank login.
GIVE EVERY DOLLAR A JOB
Money arrives, you assign it to envelopes, and each envelope shows what remains.
Overspend one and the app says so plainly, then carries the rest forward the way the
method expects. Credit cards work properly: a card purchase moves money into that
card's payment envelope, so the money is set aside the moment you spend it.
YOUR BANK'S CSV, READ ON YOUR DEVICE
Export a statement from your bank and Fundkeep works out the columns itself — dates,
payees, amounts, debit and credit pairs — for the layouts the major US banks produce.
Import the same file twice and nothing is duplicated. You see every row before
anything is saved. If a column is read wrong, you tell it which is
which — and Fundkeep remembers the layout for next time.
COMING FROM YNAB
Bring your budget across in about five minutes. Fundkeep reads a YNAB export, rebuilds
your categories, accounts and history, and then shows you a reconciliation report: what
YNAB said each balance was, what Fundkeep makes it, and every difference it found.
You check the numbers before you commit to them.
IPHONE, IPAD AND MAC
One purchase covers all three. Enter a spend in a few seconds from anywhere — a widget
on your home or lock screen, or a button in the Control Centre. The Mac app is a real
Mac app with a menu bar and keyboard shortcuts, not a phone app in a window.
REPORTS THAT STATE FACTS
Where the month went, by envelope and by group. What changed against the last three
months, compared like for like. Age of money. A monthly review you can save as a PDF.
Every figure is a statement about your own history — the app never tells you what to
do with your money.
NOTHING LEAVES YOUR DEVICE
No bank connections. No servers. No analytics, no tracking, no advertising identifier.
Syncing between your own devices goes through your private iCloud account, and you can
switch it off. The privacy label says Data Not Collected, and it is accurate.
YOUR DATA IS YOURS
Export everything to CSV at any time — including after the trial ends. An app that
held your own records hostage would not be worth trusting with them.
TRY IT FIRST
Fundkeep is free to use for 14 days, with nothing withheld. After that it becomes
read-only until you buy it: everything you entered stays visible and exportable, and
entering new transactions resumes the moment you unlock it.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Budget paycheck to paycheck. Paid every week or two? Turn on pay periods in Settings and switch the board to Since Payday: see what this paycheck brought, what is still unassigned and what each envelope has spent since payday. Add Pay starts a new period by itself.
Goals are now Monthly Amounts, and Fill Monthly Amounts tops up every envelope with what it still needs.
Money carried over from last month now tells you what it is, with a button to record a purchase you forgot.
Clearer group totals and a new introduction step.
The developer, Armen Ter-Oganezov, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Armen Ter-Oganezov
- Size
- 4.9 MB
- Category
- Finance
- Compatibility
Requires iOS 26.0 or later.
- iPhone
Requires iOS 26.0 or later. - iPad
Requires iPadOS 26.0 or later. - Mac
Requires macOS 26.0 or later. - Apple Vision
Requires visionOS 26.0 or later.
- iPhone
- Languages
English and 5 more
- English, French, German, Italian, Russian, Spanish
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Fundkeep Full $39.99
- Copyright
- © 2026 Armen Ter-Oganezov