Eluna Budget vs Envelope Budgeting

Eluna Budget keeps every transaction on your phone. No bank login, no account, no subscription, no ads. Nothing to sign up for, and nothing to cancel later. WHY NO BANK CONNECTION An aggregator wants your banking credentials and sells what it learns from them. This app never asks. You type an expense in a couple of seconds, or photograph a receipt, and that stays between you and your device. TWO WAYS TO BUDGET Simple limits: a ceiling per category and how much is left. Or envelopes: give every amount that comes in a job until nothing is unassigned. Both support rollover, and a period that starts on your card's statement day instead of the 1st. SEE WHERE IT IS HEADED Net worth across every account as one trend line. Forecast to the end of the month from your recurring bills and income, with a warning before the balance goes under. Auto-categories from local rules — payee contains Starbucks, category is Coffee. No bank sync, no cloud AI; the rules run here. FAST ENTRY A calculator keypad, repeat-last, long-press a category for its subcategories, and receipt scanning that reads the total from a photo on the device itself. The photo goes nowhere. EVERYTHING A LEDGER NEEDS Accounts, categories, tags, transfers, split transactions, recurring payments, savings goals, debts in both directions, and reconciliation against a paper statement. 63 CURRENCIES Each account in its own currency. Rates refresh once a day if you allow it, or you type them in by hand and nothing is ever fetched. IMPORT INSTEAD OF A BANK LOGIN CSV, OFX and QIF files from your bank, read on this device. The app remembers each bank's column layout so the second import is one tap. YOUR DATA, YOURS TO TAKE Full CSV and JSON export, free and always there. Encrypted backups behind a password, automatic backups on a schedule, and PDF reports for any period. SYNC WITHOUT OUR SERVER We do not run one. Sync goes through your own iCloud, or through a file you control — a shared folder, a network disk. Whoever holds that file sees ciphertext and nothing more. PRIVATE BY CONSTRUCTION The database is encrypted with SQLCipher. Lock the app with a passcode or Face ID. There are no analytics, no crash reporters, no ad networks and no cloud AI anywhere in the dependency tree — not switched off, absent — and you can check that yourself on the licenses screen. The only requests the app can make are exchange rates, and only if you turn them on. FREE Every feature, from the first launch. There is no paid tier, no trial and no watermark. The only thing you can buy is a tip, and it unlocks nothing. ONE HONEST NOTE There is no background sync on iOS: changes travel when you open the app, not while it is closed. Also: 61 languages, nine app icons, and achievements awarded for the habit of writing things down — never for how little you spend.

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.