I've used YNAB for four years.
I'm still using it while I build this.
I'm Florian, a software engineer in Hamburg, Germany. I live here with my wife, our baby daughter, and Lola, our mini poodle who insists on supervising my coding sessions.
I started using YNAB in 2022. It genuinely changed how I think about money. Envelope budgeting clicked for me in a way spreadsheets never did. I stopped living paycheck to paycheck. I built an emergency fund. I felt in control.
But somewhere around year three, I started questioning the subscription.
What I was paying for:
What I actually needed:
- Envelope budgeting
- Quick transaction entry
- Works offline
- That's it.
I was paying €100 a year for features I didn't use — and handing over my complete financial picture to do it.
Why I'm building Cashmunk
I've been a software engineer for nine years. I started my career building an iOS app, then moved into backend architecture and cloud infrastructure. Now I work at an agency where I get to solve hard problems for clients every day.
But I wanted to build something for myself. Something I'd actually use.
Cashmunk is an envelope budgeting app that keeps your data on your device. Not on my servers. Not synced to the cloud. Just on your iPhone, where it belongs.
Why "indie" matters for a finance app
There are no investors behind Cashmunk. No board. No growth targets that require me to monetize your data.
I built this because I wanted it to exist — and because I think there are other people like me. People who learned envelope budgeting, got good at it, and don't need to keep paying tuition for a skill they already have.
Your financial data stays on your device. I couldn't access it even if I wanted to.
This isn't a business strategy. It's the only way I'd want a finance app to work.
The offer
Cashmunk is a one-time purchase. No subscription. No account required. No "free tier" that sells your data.
If you've graduated from YNAB — or never wanted to enroll in the first place — I built this for you.