Envelope Budgeting vs Bindful

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.

Your cash stuffing binder, minus the ATM runs. Bindful turns the envelope method you've seen all over your For You page into a pastel binder that lives on your phone. Stuff your envelopes every payday, watch your sinking funds fill up, and keep every dollar where you can see it — no cash to carry, no bank account to connect. THE BINDER A grid of soft, pastel envelopes behind real binder rings. Your total sits at the top; every envelope shows what's left inside. It's the part of budgeting that's actually nice to look at — and it's built to be screenshot-worthy. PAYDAY IS THE BEST PART Start a stuffing session, enter what came in, and tap your money into each envelope. Every stuff lands with a satisfying haptic tick. Close the binder, see what you put away, and get on with your day. The session itself is always ad-free — the ritual is sacred. SINKING FUNDS FOR THE BIG STUFF Christmas, car repairs, the trip you keep talking about. Give a fund a goal and a date, and Bindful tells you the pace — about how much to stuff each week, fortnight, or month to get there. SAVINGS CHALLENGES Start the 100 Envelope Challenge ($5,050), the 52-Week Challenge ($1,378), or the 26-Week Step-Up right inside your binder. Tick off steps on the challenge grid and share the card when you finish. FREE MEANS FREE Unlimited envelopes. Unlimited sinking funds. No subscription, no envelope cap, no paywall on the method. Unlock extra premium envelope covers whenever you feel like a new look. YOURS ALONE No bank linking. No account. No sign-up. Everything stays on your phone, works offline, and can be exported — or erased — with a tap. You chose manual budgeting on purpose; Bindful is the app that agrees with you. NO GUILT, EVER Overspent? Move cash between envelopes and carry on. No red warnings, no streak shaming, no lectures. A clean history ledger with one-tap undo and a month recap shows what you stuffed, spent, and saved. Make your first envelope, stuff it on payday, and feel your money again.