Leaving YNAB?
$109 a year, or $39.99 once
You already know the first number — it leaves your account every year, whether or not you opened the app. Here is what the second one does to it.
One purchase costs what your subscription costs in 4.4 months.
| Over 5 years | You pay |
|---|---|
| YNAB, billed annually | $545.00 |
| YNAB, billed monthly | $899.40 |
| Fundkeep, bought once | $39.99 |
Difference over 5 years: $505.01
YNAB's prices are the ones published at ynab.com/pricing, read there on , before tax. The comparison uses their cheaper annual billing, and it assumes their price stays where it is — which is not something either of us can promise. $39.99 is what Fundkeep costs today, and it buys this version of the app outright.
Not on the App Store yet. No date is promised here, because a date would be a guess — App Review sets it.
What works the same
The method is the method — it is older than either app, and Fundkeep does not have a clever reinterpretation of it.
- Give every dollar a job. Money that arrives sits in To Be Assigned until you have given all of it somewhere to be.
- Envelopes hold what is left, not what you hoped to spend.
- Overspend an envelope and the app says so, then carries the rest forward the way the method expects.
- Credit cards move money into the card’s payment envelope as you spend, so it is set aside before the bill lands.
- A month is a month. You move between them and each keeps its own assignments.
What you give up
Worth knowing before you spend anything, and worth knowing that we told you rather than letting you find out.
No bank connections
This is the big one, and it is deliberate rather than unfinished. Fundkeep will not fetch your transactions for you. You type them, or you export a CSV from your bank and pick that file. In exchange there is no bank login to hand over, no third party holding a read-only key to your accounts, and nothing to breach.
Apple devices only
iPhone, iPad and Mac, and no web app. If you budget from a Windows machine at work, this is not the app for you.
No targets or goals in this version
You assign money yourself; the app does not track a monthly target per envelope and tell you how far behind it you are. It is on the list after release, and it is not on this page as a promise.
One person’s devices
Your own iPhone, iPad and Mac stay in step through your private iCloud. Sharing a budget with somebody else is not in this version.
Bringing your budget across
Fundkeep reads a YNAB export and rebuilds your categories, accounts and history from it. Then — and this is the part that matters — it shows you a reconciliation report before you commit to any of it: what YNAB said each balance was, what Fundkeep makes it, and every difference it found.
You are not asked to trust an importer. You are asked to read a list of differences and decide. If the numbers do not agree, nothing has been saved and you have lost an afternoon rather than a budget.
Your own data stays yours on the way out, too: everything exports to CSV at any time, including after the 14-day trial ends and before you have bought anything.
$39.99, once
Free for 14 days with every feature working — YNAB gives you 34, so you can run both and see. After the trial Fundkeep becomes read-only until you buy it: what you entered stays visible, and exporting keeps working.
Not on the App Store yet. No date is promised here, because a date would be a guess — App Review sets it.