KumbuTalk or type
Tap the mic and say "groceries 42" or "taxi 18 last night". No mic? Type the same sentence.
An envelope budget for iPhone
Say what you spent. Kumbu puts it in the right envelope.
Your budget runs from payday to payday. Tell Kumbu what you bought the way you'd tell a friend, and you see what's left in that envelope and what you can spend per day until the next paycheck.
Coming soonon the App Store for iPhoneYour month, split before you spend it
Kumbu asks what comes in and what goes out every month. Rent, bills and subscriptions come off first, savings go aside next, and the rest is split into envelopes.
Fixed $1,420Savings $280Spending $1,500
- Groceries$650
- Coffee & eating out$280
- Transport$220
- Fun$150
- Everything else$200
Paid monthly, every two weeks or twice a month: the period always ends on your next payday.
What it does
Several at once
"Groceries 62 and gas 40" becomes two entries. If one is unclear, Kumbu asks about that one only.
Payday to payday
See what you can spend per day until the next paycheck, and how many days are left.
Fixed payments
Add rent, bills, subscriptions and installments once. If a bill comes in higher, say so and Kumbu evens it out.
Savings jars
Give each goal a jar and add to it by voice: "put 50 in vacation". When the month ends, move what's left into one.
No account, no bank login
Your entries stay on your iPhone. Kumbu never asks for your bank details.
Free, and Pro for the long run
Free
- Unlimited voice and typed entries
- 5 envelopes and 1 savings jar
- Fixed payments, with 1 installment counted down
- This period and the last one
- An evening reminder on quiet days
Kumbu Pro PRO
- Unlimited envelopes, jars and installments
- A reminder the day before each payment
- Savings in gold and foreign currency at today's price
- Roll leftovers over, move money between envelopes
- Full history, yearly report and CSV export
Pro is a yearly plan with 3 days free, or a one-time lifetime purchase. The paywall shows the date of the first charge before the trial starts.
Plainly
What we promise
- No ads, and no data sold
- No audio kept, only the text of what you said
- Your budget stays on your phone
What it is not
- Not a bank: it doesn't connect to your accounts or move money
- Not financial advice: it only adds up what you tell it
- No iPad or Android version yet
Questions
Does it work without internet?
Yes. Entries are kept on your phone. Speech is turned into text on the iPhone when your language allows it; otherwise Apple's servers do it. Gold and currency prices need a connection.
Which languages does it understand?
English, Turkish, German, French, Spanish, Italian, Dutch, Portuguese and Japanese. The app follows your iPhone's language.
What happens after the free trial?
The yearly price is charged on the date shown before you start, unless you cancel at least 24 hours before the trial ends. Cancel in iPhone Settings under your name, then Subscriptions.
Can I move my data to a new phone?
Your entries are part of your iPhone backup. Pro can also export everything as a CSV file.