Pouch vs Envelope Budgeting

Say "12 euro groceries" and it's logged. Or type it. Either way, your bank stays your bank, your data stays on your iPhone. Pouch makes you watch your money — with your voice. A clear view of every account, every currency, and every habit you didn't know you had. TRACK YOUR WAY • Multiple accounts in different currencies • Income and expense transactions • 40+ built-in spending categories • Total budget, per-category limits, and what's left this cycle • Cash flow overview with monthly breakdown • Top spending categories at a glance • Daily spending rhythm with averages and highest day • Export your data ADD BY VOICE • Tap mic, say "12 euro groceries" — amount and category, auto-filled • Speech recognition runs on your iPhone, your voice never leaves • Works in your language STAY ON TOP OF YOUR FINANCES • Templates for repeat spending, like coffee or rent • Widget to quickly add an expense from your home screen or Control Center • Quick actions to log transactions with a long-press on the Pouch icon • Daily reminders to keep your tracking consistent BUILT FOR SIMPLICITY • Works offline, no internet required • Multi-currency support from day one • No account creation — open and start tracking FREE TO USE Get started with unlimited account and transactions — everything you need to build better money habits. POUCH PRO Unlock unlimited usage of add by voice and iCloud sync across all your devices, plus Template widgets, Siri & Shortcuts. Your data stays encrypted end-to-end. Try free for 7 days. YOUR DATA, YOUR BUSINESS Everything stays on your device. No data shared with third parties. With Pro, iCloud keeps your finances encrypted and accessible only to you. Questions or feedback? contact@pouchtracker.app Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

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.