Finance
SinkJar: sinking fund savings tracker
Lumpy bills, smoothed monthly.
| Platform | iPhone (iOS 17+) |
|---|---|
| Price | Free, no subscription |
| Account required | No |
| Works offline | Yes |
| Subscription | None |
| Last updated | 2026-04-17 |
ios· Free · all features included ·By All Things AI, Inc ·Released 2026-04-17
Use SinkJar in your browser — no install. Sign in and it works right here. Everything stays in your browser; nothing is sent to our servers.Free. All features included.
No subscription, no in-app purchases, no paid tiers. Everything you see works the moment you install it.
About this app
What SinkJar does
SinkJar is the offline iPhone app for smoothing out the lumpy bills that wreck your budget — Christmas, car registration, insurance renewals, vet visits, property tax. No subscription. No bank link. No account. The sinking-fund method is decades old and works. YNAB does it, but charges $109 a year (a 118% price hike since 2014). Goodbudget caps the free tier at 10 envelopes. EveryDollar's free tier doesn't auto-allocate. SinkJar costs $9.99 once and never touches your bank. What SinkJar does: — Unlimited jars. Christmas, summer camp, brake job, every cat's vet checkup. Add as many as you want. — Calendar-aware auto-targets. Tell it 'I need $1,200 by December 1' and it computes 'put $52 per week starting this Friday.' Adjusts as you hit milestones. — Per-jar deposit history with Swift Charts trajectory line. See whether you're on track or behind. — Payday EventKit reminders: pings you on your payday to deposit to the jars that need it most. — CSV export. Drop everything into Numbers or Excel for your year-end review. Manual deposits — tap +$50 when you actually move the money in your real bank. No Plaid, no read-only credentials, no consent screens. SinkJar's job is the math, the calendar, the reminder. Your bank is your bank.
Features
Built to be useful, not noisy.
Jar grid
Tile view of every sinking fund with progress ring
New jar
Name, target amount, target date, optional category icon
Deposit
Tap +$X to record manual deposit; ledger row added
Trajectory
Swift Charts: cumulative deposits vs. linear-to-target line
Payday reminders
EventKit notification on user-set payday to deposit by jar priority
Why it exists
The problem
Households can't smooth lumpy annual expenses (Christmas, registration, insurance, vet) because YNAB costs $109/yr, Goodbudget free is capped at 10 envelopes, and EveryDollar's free tier doesn't compute the per-paycheck contribution needed to hit a calendar-dated goal.
What's different
How SinkJar stands out
SinkJar is the only sinking-fund app that auto-computes the per-paycheck deposit needed to hit a calendar-dated goal ('Christmas $1,200 by Dec 1 = $52/week starting today'), supports unlimited jars, costs $9.99 once with no subscription, and never asks for a bank credential — YNAB charges $109/yr and requires bank syn…
You might also like
All apps →
Overtime Tax Tracker
Finance
Your No-Tax-Overtime deduction, adding up
PayLater Tracker
Finance
All your pay-in-4 in one place
Bill Creep
Finance
Track bill creep, call it back
CertDay
Finance
Never lose a benefit week
DealChase
Finance
Chase every brand deal payment
DuesWatch
Finance
Your HOA dues, with receipts
FAQ
Questions about SinkJar
How much does SinkJar cost?▾
SinkJar is free. All features are included from day one — no subscription, no in-app purchases, no paid tiers. Everything you see in this listing works the moment you install it.
Where does SinkJar store my data?▾
On your device. SinkJar is built privacy-first: no account is required, no analytics SDKs, no third-party trackers. Nothing is uploaded to a server we control — the app works without one.
What platforms does SinkJar support?▾
iOS, on iPhone and iPad. You can find the latest availability on this page.
How do I get support for SinkJar?▾
Use the Support link on this page, or email support@allthingsn.com. We answer every message and keep responses on the same thread.
Related guide
Best budgeting & money apps with no subscription, 2026
More money & finance apps with no subscription →
More in Finance
