You already know how to budget.
You learned envelope budgeting. You don't need to pay €109/year to keep doing it.
Cashmunk is envelope budgeting for iOS — no subscription, no cloud, no account. Your data stays on your device. Pay once, own it forever.
YNAB is a great teacher
YNAB taught millions of people envelope budgeting. The method works. Give every euro a job, embrace your true expenses, roll with the punches — it changes how you think about money.
But once you've learned the method, you might notice:
- You're paying €109/year for features you don't use
- Your financial data lives on someone else's servers
- You need internet access to check your budget
If that's you, you're not alone.
How Cashmunk compares
| Feature | Cashmunk | YNAB |
|---|---|---|
| Price | €19.99 once | €109/year |
| After 2 years | €19.99 | €218+ |
| Your data | On your device | Their servers |
| Account required | No | Yes |
| Works offline | Yes | Limited |
| Bank sync | No | Yes |
| Shared budgets | No | Yes |
| Platform | iOS | Web, iOS, Android |
Cashmunk isn't for everyone. If you need bank sync, shared budgets, or Android support, YNAB is the better choice. Cashmunk is for people who want simple envelope budgeting 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 YNAB. You don't need to keep paying 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.