You've mastered the method. Stop renting the app.
Envelope budgeting without the subscription. Pay once, own it forever.
You've been giving every dollar a job for years. You don't need another app charging you monthly for a skill you already have. Cashmunk is envelope budgeting for iOS — no subscription, no cloud, no account. Your data stays on your device.
Envelope budgeting works. The apps? That's another story.
You figured out the method — give every dollar a job, plan for true expenses, roll with the punches. It works. It changed how you think about money.
But the apps that teach it?
- Monthly subscriptions that add up year after year
- Your financial data stored on someone else's servers
- Features you'll never use inflating the price
- Internet required just to check your budget
You mastered envelope budgeting. You shouldn't have to keep paying for the privilege of using it.
How Cashmunk compares
| Feature | Cashmunk | YNAB | Goodbudget | EveryDollar |
|---|---|---|---|---|
| Price | €19.99 once | ~€99/year | €70/year | ~€130/year |
| After 2 years | €19.99 | €198+ | €140+ | €260+ |
| Free tier | No | 34-day trial | Yes (limited) | Yes (limited) |
| Your data | On your device | Their servers | Their servers | Their servers |
| Account required | No | Yes | Yes | Yes |
| Works offline | Yes | Limited | Yes | Limited |
| Bank sync | No | Yes | No | Yes (paid) |
| Shared budgets | No | Yes | Yes | Yes |
| Platform | iOS | All | All | All |
Cashmunk isn't for everyone. If you need bank sync, shared budgets, or Android support, one of these apps might be a better fit. Cashmunk is for people who want simple envelope budgeting on iOS without the subscription.
Cashmunk is for you if...
- You already understand envelope budgeting
- You manually enter transactions (no bank sync needed)
- You budget solo (no shared household budgets)
- You'd rather pay once than rent forever
- You want your financial data on your device, not in the cloud
Sound familiar? You've graduated from budgeting apps that charge tuition.
Your budget, your device, your business
Cashmunk doesn't have servers. There's no account to create, no data to sync, nothing to breach.
Your financial data stays on your iPhone. Period.
No analytics on your spending. No "anonymized" data shared with partners. No terms of service that change what they can do with your information.
Join the waitlist
Be first to know when Cashmunk launches — and lock in early pricing.