Envelope Budgeting: Fundkeep

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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.

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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.

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    情報

    販売元
    Armen Ter-Oganezov
    サイズ
    4.9 MB
    カテゴリ
    ファイナンス
    互換性
    iOS 26.0以降が必要です。
    • iPhone
      iOS 26.0以降が必要です。
    • iPad
      iPadOS 26.0以降が必要です。
    • Mac
      macOS 26.0以降が必要です。
    • Apple Vision
      visionOS 26.0以降が必要です。
    言語
    イタリア語とその他5言語
    • イタリア語、スペイン語、ドイツ語、フランス語、ロシア語、英語
    年齢制限
    4+
    アプリ内購入
    あり
    著作権
    © 2026 Armen Ter-Oganezov
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