Budgetly vs Envelope Budgeting

The budget you can actually keep: assign your money, log a spend in two taps, and glance at what's safe to spend — right on your Home Screen. No bank login, nothing to sync or break, and you can pay once instead of subscribing. Budgetly is envelope budgeting (digital cash stuffing) that stays 100% on your device. No account. No bank connection. Nothing for a server outage to lose. HOW IT WORKS - Give every dollar a job: assign your monthly money across envelopes. - Log spending in seconds — type it, say it with Siri, or scan a paper receipt on-device. - Glance at your Safe-to-Spend number on the Home Screen widget without opening the app. - Close the month, roll unspent money forward, and keep the streak going. WHAT'S INSIDE - Envelope budgeting with rollover, drag-to-reorder, and archiving - Safe-to-Spend widget for your Home Screen (free) and Lock Screen (Pro) - A weekly reset reminder and near-limit alerts, all scheduled on your device - Siri quick-add: "Add $12 to Coffee" — always with a confirm step - On-device receipt scanning: the total arrives as an editable guess, and images never leave your phone - Smart category suggestions — you confirm every one - Zero-based monthly planning with live "Left to assign" - 12-month trends, category breakdowns, and top-spend charts - CSV import from other budget apps, and CSV export any time — your data is yours PRIVATE BY ARCHITECTURE Your envelopes and transactions live on your device, covered by your normal iPhone backup. Budgetly has no server that sees your money. Nothing to breach, nothing to reconnect, nothing to break. FAIR PRICING Free forever: 3 envelopes, manual tracking, and the Home-Screen widget. Budgetly Pro unlocks unlimited envelopes, receipt scanning, CSV tools, and all widget styles — monthly, yearly, or a single one-time purchase. No pressure, cancel anytime. Terms of Use: https://budgetly.keenshift.ai/terms Privacy Policy: https://budgetly.keenshift.ai/privacy

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.