Kinwallet vs Envelope Budgeting

Know where every dollar goes. Kinwallet is a shared budget app for couples and families — track expenses, set limits, and plan together without the spreadsheet headache. WHAT YOU CAN DO • Shared wallets — invite family and friends with a simple code • Track income & expenses in seconds, with notes and categories • Transfer money between your wallets • Spend in any currency — auto-converted at up-to-date rates • Smart category tree — built-in or your own, with icons and colors • Recurring transactions — rent, salary, subscriptions on autopilot • Budget limits with progress bars and overspend warnings • Clear reports by category, period, and wallet • Import & export your data as CSV • 13 languages, including a right-to-left layout for Arabic Privacy first: we don't sell your data and we don't show ads. The free plan includes one wallet and all core features — no time limits, no hidden fees. Premium unlocks unlimited wallets, unlimited shared members, full transaction history, and priority support. Questions? Reach us at merbelcorp@outlook.com Terms of Use: https://shared-budget-lovat.vercel.app/terms/

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.