# Envelope Budgeting: Fundkeep — Cash Stuffing, No Subscription

> Cash Stuffing, No Subscription (iPhone/iPad app by Armen Ter-Oganezov.)

- Source: https://appshunter.io/ios/app/envelope-budgeting-fundkeep/id6801904284 (this page in markdown: same URL + `.md`)
- Developer: [Armen Ter-Oganezov](https://appshunter.io/developer/1723150483)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 26.0 · 4 MB
- Languages: American English, French (France), German (Germany), Italian, Russian, European Spanish
- Released: 2026-09-02
- Data updated: 2026-09-08
- User reviews in markdown: https://appshunter.io/ios/app/envelope-budgeting-fundkeep/id6801904284/reviews.md

## What is Envelope Budgeting?

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.

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Fundkeep Full | $39.99 | one-time |



## Version history (last 3 releases)

### 1.2 — 2026-09-08

Enter a transaction on the day it happened. The date is a field now — set it when you record something, change it afterwards. An August payday stays in August.

Archive an envelope when the obligation ends. The phone is paid off, the envelope retires, and every past month keeps the numbers it always had. Nothing is deleted, nothing moves.

Cover an overspent envelope straight from the board. A red row offers the way out and shows where the money can come from, fullest envelope first.

Give an envelope a monthly goal — how much to put in each month — and see what is still missing.

Also: edit a transaction's amount, swipe between months, and envelopes added or removed on another device now appear without relaunching.

### 1.1 — 2026-09-07

You can now tell Fundkeep which column is which when importing a bank CSV — and it remembers the layout for next time.

Dutch statements that put the direction in its own column are read correctly too.

### 1.0 — 2026-09-02

No release notes.

## More apps by Armen Ter-Oganezov

- [AI Photo Generator: TeroxAI](https://appshunter.io/ios/app/ai-photo-generator-teroxai/id6503450897)
- [AI Video Generator: TeroxAI](https://appshunter.io/ios/app/ai-video-generator-teroxai/id6504455552)
- [Text to Music AI Generator](https://appshunter.io/ios/app/text-to-music-ai-generator/id6740177765)
- [SawKit: Cut List Optimizer](https://appshunter.io/ios/app/sawkit-cut-list-optimizer/id6796480019)
- [Roomkeep: Home Inventory Claim](https://appshunter.io/ios/app/roomkeep-home-inventory-claim/id6797268499)

All apps by Armen Ter-Oganezov: https://appshunter.io/developer/1723150483

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-08.*