Question 1

What is Cashmunk?

Accepted Answer

Cashmunk is a privacy-first envelope budgeting app for iOS. It keeps all your financial data on your device, requires no account, works completely offline, and is a one-time purchase (approximately €20) with no subscription.

Question 2

Does Cashmunk sync with banks?

Accepted Answer

No, Cashmunk does not sync with banks. This is intentional - it's designed for people who prefer manual transaction entry and want to keep their financial data completely private, never leaving their device.

Question 3

How much does Cashmunk cost?

Accepted Answer

Cashmunk is a one-time purchase of approximately €20. There is no subscription, no recurring fees, and no in-app purchases. You pay once and own it forever.

Question 4

Is Cashmunk a YNAB alternative?

Accepted Answer

Yes, Cashmunk is designed as an alternative for people who learned envelope budgeting from YNAB but don't need premium features like bank sync. If you're looking for a simpler, privacy-focused option without the $100/year subscription, Cashmunk may be a good fit.

Question 5

Where is my data stored in Cashmunk?

Accepted Answer

All your data is stored locally on your iPhone. Cashmunk has no servers, no cloud sync, and no account system. Your financial data never leaves your device.

Question 6

Does Cashmunk work offline?

Accepted Answer

Yes, Cashmunk works completely offline. Since all data is stored on your device, you can budget, enter transactions, and view reports without any internet connection.

Question 7

Is Cashmunk available on Android?

Accepted Answer

Currently, Cashmunk is only available for iOS (iPhone). An Android version is not planned at this time.

Question 8

What is envelope budgeting?

Accepted Answer

Envelope budgeting is a method where you assign every dollar (or euro) a job. You create budget categories (envelopes) and allocate money to each one. When an envelope is empty, you stop spending in that category. It's a proven system for taking control of your finances.

Feature	Cashmunk	Subscription Apps
Privacy	Data stays on device	Cloud-synced to servers
Pricing	EUR19.99 one-time purchase	EUR109+/year recurring
Offline	Works without internet	Requires connection
Platform	Native iOS app	Web wrapper or cross-platform

Envelope budgeting for iOS

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